Vermont · Subsidized loan

VHFA MOVE (Vermont)

Lowest rates + $825 tax savings + DPA eligible

Lowest VHFA rates. 30-year fixed. Saves $825 on property transfer tax. Duplexes eligible.

VHFA's MOVE program offers the lowest interest rates available through the Vermont Housing Finance Agency, paired with DPA eligibility. The rate reduction saves thousands annually and compounds over the life of a 30-year mortgage.

Vermont offers a unique benefit: $825 in property transfer tax savings through the MOVE program, a perk not found in other states. The program works on duplexes and other multi-unit properties, making it valuable for house-hackers in Vermont's many two-unit homes.

AmountLowest rates + $825 tax savings + DPA eligible
TypeSubsidized 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 ASSIST (Vermont) $10,000
Vermont · Deferred 0% 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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