Vermont First-Time Home Buyer Programs 2026
$10,000 DPA available through Vermont Housing Finance Agency (VHFA). VHFA MOVE program offers up to $10K in DPA at 0% — deferred until sale or refi.
Max Assistance
$10,000 DPA
Type
0% deferred loan
Min Credit
640+
Max Home Price
$450,000
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Vermont First-Time Buyer Programs Comparison
| Program | Max Assistance | Type | Min Credit | Income Limit |
|---|---|---|---|---|
| VHFA MOVE Program Best statewide program | $10,000 | 0% deferred loan | 640+ | $90K–$135K |
Eligibility Requirements
- ✓640+ credit score
- ✓Income within VHFA limits
- ✓Homebuyer education required
- ✓Primary residence in Vermont
Pro Tip
Available statewide: Burlington, Essex, South Burlington, Colchester, Rutland.
How to Apply for Vermont Programs
Get Pre-Approved
Work with a VHFA-approved lender. They handle the state program paperwork for you.
Complete Education
Take the required homebuyer education course (online, ~6 hours, ~$75). Required by most state programs.
Close & Get Funds
The 0% deferred loan is applied at closing — you don't pay extra at the table.
Official Agency
Vermont Housing Finance Agency
VHFA — Vermont official housing finance authority
Frequently Asked Questions
What is the best first-time home buyer program in Vermont?
The best program in Vermont is the VHFA MOVE Program, which offers $10,000 as a 0% deferred loan. Minimum credit score: 640. Income limit: $90K–$135K.
How much down payment assistance is available in Vermont?
Vermont offers up to $10,000 DPA through Vermont Housing Finance Agency (VHFA). The assistance is structured as a 0% deferred loan. Income limits are $90,000–$135,000 depending on household size and county.
What credit score do I need for Vermont first-time buyer programs?
Most Vermont programs through VHFA require a minimum credit score of 640. Some programs may accept lower scores with compensating factors. Check with an VHFA-approved lender for your exact score requirements.
What is the income limit for Vermont first-time buyer programs in 2026?
In 2026, Vermont income limits are $90,000–$135,000 depending on household size and county. The home price limit is $450,000. These limits are set by Vermont Housing Finance Agency.
Don't Leave $10,000 DPA on the Table
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