The Housing Division organized the resources on this page to assist you with your housing needs and questions. We do not provide loans or grants to home owners, regulate condominiums, or enforce landlord tenant law.
For additional resources visit our Housing Links page which includes more than 80 programs and organizations throughout Vermont.
All COVID housing assistance programs have stopped taking applications as the program funding from the 2020 CARES Act is fully expended. Additional housing assistance programs in 2021 may be initiated based on federal resources. This page will be updated as additional information becomes available about program eligibility.
Call the Mortgage Assistance Program (MAP) at the Vermont Department of Financial Regulation at 1-888-568-4547 or visit their website.
The Homeownership Preservation Foundation (1-888-995-HOPE) is a network of nonprofit agencies that offer free services to distressed homeowners to help budget and avoid foreclosure whenever possible.
Financing and Home Repairs
The NeighborWorks® Alliance of Vermont homeownership centers are often the best place to start whether you're looking for your first home or already own a home or mobile home. Homeownership centers are your one-stop resource for home credit and finance, foreclosure prevention, home repair loans and services, weatherization and energy improvement, and even flood disaster assistance. Some homeownership centers offer mobile home repair loans for mobile homes in parks.
Champlain Housing Trust's Housing Loan Fund provides home improvement, energy efficiency, and access modification loans to eligible homeowners in Chittenden (except Burlington), Franklin, and Grand Isle Counties. Throughout Vermont, the Manufactured Housing Down Payment Loan Program assists mobile home owners purchase, or replace their mobile home with, an Energy Star rated manufactured home. For information call (802) 861-7388. CHT also administers the Vermont Housing and Conservation Board (VHCB) Purchase Subsidy Program to assist low-income households upgrade or replace deteriorated mobile homes in VHCB-assisted mobile home parks, to provide down payment assistance and to prevent foreclosure.
The Green Mountain Home Repair for income eligible homeowners is available through Windham & Windsor Housing Trust in Windham and Windsor counties, and Downstreet Housing and Community Development in Washington, Orange and Lamoille counties, and includes a $2,500 grant toward the cost reducing the amount you need to repay.
The Vermont Housing Finance Agency (VHFA) provides low interest mortgage loans through participating lenders for low and moderate income Vermonters, and zero interest down payment assistance loans of up to $5,000. VHFA finances purchase only loans for single family homes, condominiums and duplexes. (VHFA does not finance mobile homes.)
The Opportunities Credit Union is a nonprofit financial institution that offers both conventional fixed and adjustable rate mortgages, home equity loans, and loans for mobile homes on owned land and in mobile home parks. Visit their website for information. Opportunities also offers home repair and energy improvement loans.
The Vermont Wastewater and Potable Water Revolving Loan Fund, also known as the On-site Loan Program, is available to certain Vermont residents for the repair or replacement of failed on-site wastewater and water supply systems.
USDA Rural Development offers very low income housing repair loans and grants for rural homeowners and mobile home owners in approved parks in Vermont and New Hampshire. USDA also offers Housing Assistance for Manufactured Homes (Mobile Homes) including a pilot program for purchase of energy efficient manufactured homes in approved parks.
Efficiency Vermont offers 0% interest financing for low and moderate income Vermonters (and low rates for incomes over $90,000) for home weatherization and heating projects through its Home Energy Loans. Loans can also include any health and safety measures and repairs necessary to do the underlying project up to 50% of the total loan amount.
Staying in Your Home
Senior citizens who need assistance to stay in their home can refer to the Vermont Department of Disabilities, Aging and Independent Living (DAIL) or call the Senior Helpline at 1-800-642-5119.
HomeShare assists elders and people with disabilities to live independently in their own homes by bringing them together with people who seek affordable housing and/or caregiving opportunities. In northwestern Vermont contact HomeShare Vermont at 802-863-5625. For HomeShare Now serving central Vermont call 802-479-8544.
USDA Rural Development offers very low income housing repair loans and grants for rural homeowners and mobile home owners in approved parks in Vermont and New Hampshire. Loans up to $20,000 for eligible applicants for home improvement/modernization, health and safety. Grants up to $7,500 for eligible applicants 62 and older for health and safety, accessibility modifications for household member with a disability.
The Vermont Center for Independent Living Home Access Program (HAP) provides home entry and bathroom accessibility modifications for low-income Vermonters with physical disabilities. Visit their website or call 1-800-639-1522.
The Department does not have jurisdiction over state condominium statutes or regulate condominium associations. We are providing these links for your convenience. If you have specific questions we recommend consulting an attorney familiar with these laws.
Uniform Common Interest Ownership Act (27A VSA; 1994, amended in 2012)
Statute relating to condominiums in Vermont. May not apply if condominium was established before January 1, 1999 or has fewer than 24 units.
Condominium Ownership Act (27 VSA Chapter 15; 1967)
Statute relating to condominiums in Vermont, protection of tenants in conversion of rental units, protection of tenants in conversion of mobile home parks. Applies to all properties which have submitted a "Declaration of Condominium" which is a legal document and filed in the town land records.
Renting Your House
Get "Finding Common Ground: the Definitive Guide to Renting in Vermont" (pdf)
Publication of CVOEO Vermont Tenants and Vermont Apartment Owners' Association
Code Highlights and Information Sheets for codes administered by the Vermont Department of Public Safety, Fire Safety Division.
If you own an historic home and have questions about eligibility for the National Register of Historic Places or financial assistance contact the Division for Historic Preservation.