Interest rates

Contact a VHFA Participating Lender to learn more about buying a home with a VHFA program.

Effective December 4, 2020

Program Government ​RD, VA, FHA Conventional ​Freddie Mac Conventional ​Fannie Mae
Base Loan Rate
with VHFA ASSIST 		2.500%
2.500% 		2.750%
2.750% 		2.750%
2.750%
Base Loan Rate
with VHFA ASSIST 		2.750%
3.000% 		3.000%
3.250% 		3.000%
3.250%
Base Loan Rate
with VHFA ASSIST 		2.750%
3.000% 		3.000%
3.250% 		3.000%
3.250%

Rates may vary with manual underwriting. 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.