Buying a home with VHFA

Home loan programs

VHFA offers three home loan programs. Select one below for details, including interest rates, application process, and a list of VHFA participating lenders that offer each program.

Not sure which one's right for you? Let us help!

Answer these questions and we'll point you to the best program for you.

Where do you expect to purchase your home?

County determines other eligibility requirements including, but not limited to, the first-time buyer requirement — Cannot have owned a principal residence within the past three years. See question #4 — and maximum income.

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Are any buyers veterans who've served within the previous 25 years? Yes No

Veterans and their spouses are exempt from VHFA's first-time buyer requirement in counties where it might apply.

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What type of property do you expect to purchase?

Some loan programs restrict, or only accept, certain property types.

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Has any borrower owned a property in the past three years? Yes No
VHFA requires borrowers purchasing in any of these counties to not have owned a home within the previous three (3) years:
- Addison County
- Bennington County
- Chittenden County
- Grand Isle County
- Windsor County
Exceptions: Burlington's Census Tract 4 and veterans who've served within the past 25 years

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Will the property be the primary residence of all borrowers? Yes No

All borrowers must occupy the property as their primary place of residence.

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What is your total family size?

Total family size includes all dependents of the borrowers, and the borrowers. For example, if you and your spouse are applying for the loan, and you have one dependent child, your total family size is three.

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What's the combined gross annual income of all borrowers? $

The gross income of all borrowers (and spouses) cannot exceed the maximum limit set by county and family size.

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What's the expected purchase price of the property? $

VHFA does not finance homes priced greater than $287,000 including the cost of any repairs.

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Buying a home with VHFA

Home loan programs

Not sure which one's right for you? Let us help!

Rates & limits

Lenders

Education

Real estate professionals