Vermont · Deferred 0% loan

VHFA ASSIST (Vermont)

$10,000

Up to $10,000 at 0% interest, no monthly payments. Deferred until sale or refinance. 30-year term.

VHFA's ASSIST program provides $10,000 in DPA for first-time buyers in Vermont. The assistance pairs with VHFA's competitive first mortgage rates and covers down payment and closing costs.

Vermont's housing market faces unique challenges: limited inventory in a state with strict development regulations, aging housing stock, and rising demand from remote workers. VHFA's $10,000 DPA helps native Vermonters compete in a market increasingly influenced by out-of-state buyers.

Amount$10,000
TypeDeferred 0% loan
Available inVermont
First-time buyer requiredYes
Minimum credit score640
Multi-unit eligibleYes — 1-4 units

House-hack eligible

This program can be used on 1-4 unit properties. Live in one unit, rent the others.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down
Federal · Subsidized loan
VA Loan $0 down + no monthly mortgage insurance
Federal · Federal benefit
NACA Program $0 down + $0 closing + $0 PMI + below-market rate
National · Nonprofit program
VHFA MOVE (Vermont) Lowest rates + $825 tax savings + DPA eligible
Vermont · Subsidized loan
VHFA First-Gen Grant (Vermont) $15,000
Vermont · Grant
Vermont MCC Up to $2K/year tax credit
Vermont · Annual tax credit
All Vermont programs →

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