VHFA program options

• Up to $5,000 to use toward down payment and/or closing costs
• 0% interest with no monthly payments
• ASSIST loan is repaid when you sell, refinance or pay your mortgage in full

Available to first-time homebuyers who have never owned a home. Borrowers combined savings and non-retirement assets must not be more than $30,000. Only available with VHFA Advantage, Move, and Move MCC. Income and Purchase Price Limits apply. Pre-purchase homebuyer education and counseling required prior to closing. Additional eligibility requirements apply.

• Federal tax credit up to $2,000 each year you pay interest on your mortgage
• Save up to $825 on Vermont Property Transfer Tax at closing
• VHFA ASSIST eligible
• Low down payment options available
• Lower monthly mortgage insurance when using a conventional loan

Income and Purchase Price Limits apply. Pre-purchase homebuyer education and counseling required prior to closing. No ownership within 36 months prior to application if purchasing in: Addison, Bennington, Chittenden, Grand Isle and Windsor counties. Primary residence purchase only. click here to review a copy of the public notices regarding VHFA's MCC Program. Additional eligibility requirements apply.

• Save up to $825 on Vermont Property Transfer Tax at closing
• VHFA ASSIST eligible
• Low down payment options available
• Lower monthly mortgage insurance when using a conventional loan

Income and Purchase Price Limits apply. Pre-purchase homebuyer education and counseling required prior to closing. No ownership within 36 months prior to application if purchasing in: Addison, Bennington, Chittenden, Grand Isle and Windsor counties. Primary residence purchase only. Additional eligibility requirements apply.