The VHAP program portal will close to new applicants on 6/12/23. All applications must be completed and submitted on

All VHFA programs are offered exclusively through our participating lenders

VHFA Offers

  • Loan Term

    Fixed rate, 30-year mortgages, for homebuyers purchasing their primary residence.

  • ASSIST Down Payment and Closing Cost Program

    VHFA ASSIST is a 0%, non-amortizing loan for down payment and/or usual and customary closing costs.

  • Mortgage Credit Certificates

    VHFA issues Mortgage Credit Certificates with up to a $2,000 annual tax credit for eligible borrowers.

  • Multiple Program Options:

    VHFA offers programs with varying requirements.

Refer to the VHFA Program and Procedural Guide and Job Aids for program information.

Lender Requirements

  • Vermont licensed mortgage lender for most recent 12 months.
  • Vermont mortgage production volume of at least $10 million.
  • Vermont physical location with assigned origination staff.
  • Originates FNMA, FHLMC, FHA, VA, or RD mortgage products.
  • Ability to deliver all mortgage loans servicing released.

Contact VHFA to learn more and start the VHFA lender approval process.