Help to buy in Vermont
Home-buying assistance programs in Vermont
3 official programs for down payment and closing cost help in Vermont, from Vermont Housing Finance Agency. We show what each program says on its own page, with the date we checked it.
Key numbers in Vermont
- Verified programs
- 3
- from Vermont Housing Finance Agency
- First-time buyers only
- 2
- 1 does not require it or its page does not say
- Accept an ITIN
- 0
- per their own site · no: 0 · unconfirmed: 3
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
The full list
Programs in Vermont
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
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- Deferred
Vermont state agency loan of up to $10,000 at 0% deferred, with no monthly payments, for the down payment and closing costs alongside the VHFA MOVE mortgage; for people who have never owned a home and have less than $20,000 in liquid savings
What it gives, per the source
Up to $10,000 loan for down payment and closing assistance … 0% deferred loan with no monthly payments … Repaid at sale, refinance, or mortgage payoff
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by Vermont Housing Finance Agency (VHFA)
Verified November 5, 2026
-
Vermont state agency grant of $15,000 for the down payment and closing costs, with a VHFA mortgage; for people who have never owned a home and have less than $20,000 in liquid savings, if their parents or guardians never owned a home (or lost it to foreclosure) or if they were in foster care
What it gives, per the source
Open, per the source
$15,000 grant for down payment and closing costs … May be combined with VHFA ASSIST and down payment assistance from other sources … Grants are available while funds last on a first-come, first-served basis.
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by Vermont Housing Finance Agency (VHFA)
Verified November 5, 2026
-
- Tax credit
Vermont state agency certificate that turns up to 50% of the interest you pay each year on your mortgage into a credit on your federal taxes, capped at $2,000 a year, while you live in the home and keep the original mortgage
What it gives, per the source
Federal tax credit up to 50% of mortgage interest paid annually, capped at $2,000 per year … Borrowers receive certificate after closing and provide to tax preparer each year … Available for as long as the borrower lives in the home and holds the original first mortgage
- First-time buyer?
- The source does not say whether you must be a first-time buyer
- Accepts ITIN?
- Its site does not confirm
Run by Vermont Housing Finance Agency (VHFA)
Verified November 5, 2026
No program matches your search.
Help to repair your home
Repair programs in Vermont
One program we checked in Vermont to repair your home or make it more efficient, with what its page says.
-
Weatherization Assistance Program
Run by Vermont Department for Children and Families (DCF)
Vermont weatherization program: upgrades that cut energy use in low-income homes, through local agencies
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.
Frequently asked questions
What is down payment assistance?
Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.
Do I need to be a first-time buyer in Vermont?
Of the 3 programs on this page, 2 require it; the rest do not, or their page does not say. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 0; not confirmed on its site, 3. Ask the participating lender directly before you start, and ask for it in writing.