Vermont Homebuyer Programs: How Local Buyers Can Get Help with the Down Payment

One of the most common questions our team gets is whether there are programs to help Vermont buyers with down payments and closing costs. The good news: for many first‑time and income‑eligible buyers, there are real options that can make purchasing a home in Northwestern Vermont more attainable.​

The Vermont Housing Finance Agency (VHFA) offers mortgage programs and down payment assistance for qualifying buyers, often paired with competitive fixed interest rates. These programs typically require that you live in the home as your primary residence and meet certain income and purchase‑price limits, which vary by county and household size. Other options, such as USDA Rural Development loans and certain FHA or VA loans, may also provide low or zero down payment paths in many Franklin and surrounding county communities.​

At Tamithy Howrigan Real Estate, we start by understanding your full financial picture and where you want to live. Then we coordinate with experienced local lenders who regularly use these Vermont programs so you understand eligibility, payment estimates, and long‑term costs before you fall in love with a home. Our goal is to make sure you are not leaving any assistance on the table while still choosing a loan structure that feels comfortable and sustainable.​

If you are wondering whether you qualify for down payment assistance or a specialized Vermont mortgage program, contact our team. As trusted Northwestern Vermont real estate advisors, we will walk you through your options, introduce you to the right lending partners, and help you craft a financing plan that supports both your first home and your long‑term goals.