Vermont • First-Time Homeowner programs
First-Time Homeowner grants in Vermont
Browse first-time homeowner grants available in Vermont, including statewide and local programs.
5 active programs in Vermont
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Vermont Housing Finance AgencyVTFirst-Time HomeownerDeferred loan
Updated: Dec 1, 2025
VHFA’s homebuyer programs pair low, fixed-rate MOVE, MOVE MCC, and ADVANTAGE mortgages with ASSIST down payment assistance, giving Vermont buyers up to $10,000 in 0%-interest, deferred funds to cover down payment and closing costs.
Eligible for: First-time and repeat Vermont homebuyers using VHFA MOVE, MOVE MCC, or ADVANTAGE loans who meet VHFA income and purchase price limits, have …
Vermont Federal Credit UnionVTFirst-Time HomeownerDeferred loan
Updated: Dec 1, 2025
Vermont Federal’s Seed Money program gives eligible first-time buyers up to $7,500 (3% of the purchase price) to cover down payment and closing costs on a conventional credit-union mortgage, specifically targeting borrowers who are over-income or otherwise ineligible for VHFA or other DPA programs.
Eligible for: First-time homebuyers with household income at or below $125,000 purchasing a single-family home or approved condominium, who are obtaining …
Vermont Housing Finance AgencyVTFirst-Time HomeownerGrant
Updated: Dec 1, 2025
VHFA’s First Generation Homebuyer Program provides a $15,000 grant for first-generation Vermonters buying their first home, which can be layered with ASSIST and other DPA to significantly reduce upfront cash needed for down payment and closing.
Eligible for: All borrowers and any non-borrowing spouses must be true first-time homebuyers with less than $30,000 in combined liquid assets; at least on…
Champlain Housing TrustVTFirst-Time HomeownerForgivable loan
Updated: Dec 1, 2025
CHT’s Homeownership Equity Program is a racial-equity-focused down payment assistance initiative that offers up to $25,000 in forgivable, 0%-interest loans to first-time BIPOC buyers purchasing permanently affordable shared-equity homes in Vermont.
Eligible for: First-time homebuyers purchasing a Champlain Housing Trust shared-equity home, with household income at or below 120% of area median income,…
NeighborWorks of Western VermontVTFirst-Time HomeownerDeferred loan
Updated: Dec 1, 2025
NeighborWorks of Western Vermont’s Down Payment Assistance Loan provides up to $50,000 as a second mortgage to help Vermonters cover down payment and closing costs, pair with a partner lender’s first mortgage, and often achieve 100% financing with no PMI.
Eligible for: Qualified homebuyers purchasing in Vermont who work with one of NeighborWorks of Western Vermont’s partner lenders, meet the organization’s …