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

Interest rates

See Income and Purchase Price Limits and VHFA Programs for more information. Contact a VHFA Participating Lender to learn more about buying a home with a VHFA program. 

PROGRAM AVAILABILITY: Due to rate volatility, some VHFA programs may not be available every day. Continue to check back for availability. 

Effective June 1, 2023
Program FHA, RD VA Fannie Mae Freddie Mac
MOVE
MOVE w/ ASSIST 		6.000%
6.000% 		6.000%
N/A 		6.250%
6.250% 		6.250%
6.250%
MOVE MCC
MOVE MCC w/ ASSIST 		6.250%
6.250% 		6.250%
N/A 		6.500%
6.500% 		6.500%
6.500%
Advantage
Advantage w/ ASSIST 		6.250%
6.250% 		6.250%
N/A 		6.500%
6.500% 		6.500%
6.500%

Rates are subject to change without notice. Vermont Housing Finance Agency (VHFA) does not make or arrange loans. It is neither an originator nor creditor and is not affiliated with any Lender. The terms of any mortgage finance transactions conducted in connection with VHFA programs, including loan fees, the annual percentage rate (APR), repayment conditions, disclosures and any other materials which are required to be provided to the consumer is the responsibility of the Lender. Each VHFA program is subject to separate requirements and eligibility criteria. Rates displayed are for informational purposes only and do not represent any interest rate lock, confirmation or guarantee. Any rate lock, rate lock guarantee or rate lock confirmation is the responsibility of the Lender. Please contact a participating Lender for more information on available rates and program requirements.