Vermont Homeowner Assistance Program

The Vermont Homeowner Assistance Program (VHAP) application portal will close to new applicants on 6/12/23. All applications must be completed and submitted on vermonthap.vhfa.org by 5:00 PM on that date.

The program, launched in January 2022, is managed through the Vermont Housing Finance Agency (VHFA). Funded by $50 million from the federal American Rescue Plan Act, VHAP provides grants of up to $30,000 per household towards overdue mortgage payments, utility bills, property taxes, and property association charges.

“This program is about supporting Vermonters. Through VHAP we are keeping people in their homes, stabilizing neighborhoods, and preserving the health of our communities,” said Governor Phil Scott.

Passed as a part of the American Rescue Plan Act, this program was supported by Senator Patrick Leahy (D-Vt.), Senator Bernie Sanders (I-Vt.) and Congressman Peter Welch (D-Vt.). In a joint statement, the Vermont Delegation said: “As foreclosure moratoriums and forbearance agreements end, many Vermonters are facing an uncertain future. These funds will help homeowners harmed by the pandemic get caught up on their bills and move forward.” 

The program is available to any Vermont homeowner who meets the eligibility criteria and is not just for VHFA mortgage borrowers. It is open to Vermont homeowners for expenses related to their primary home, who meet income limits, and who are behind on their bills due to a financial hardship associated with the coronavirus pandemic after January 21, 2020.

More information and application materials are available at vermonthap.vhfa.org. The website is available in several languages and includes information about how applicants can access additional translation and application assistance. A Vermont Homeowner Assistance Program information hotline is open 8 am – 5 pm, Monday through Friday, at 833-221-4208.