Low-interest Mortgage Loans and Down Payment Assistance: 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 single-wide mobile homes or mobile homes in parks.)

Champlain Housing Trust offers a Manufactured Housing Down Payment Loan Program, which assists mobile homeowners to purchase or replace their mobile home with an Energy Star rated manufactured home. For information, call (802) 861-7388.

Champlain Housing Trust 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, provide down payment assistance and prevent foreclosure.

Mortgage Help: 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.

Home Repairs or Modifications: Champlain Housing Trust's Housing Loan Fund provides home improvement, energy efficiency, and access modification loans to eligible homeowners. For information, call (802) 861-7388.

USDA Rural Development offers very low-income housing repair loans and grants for rural homeowners and mobile homeowners in approved parks in Vermont and New Hampshire. They provide loans up to $40,000 for eligible applicants for home improvement/modernization, health and safety. USDA-RD also offers grants of up to $10,000 to eligible applicants (62 and older) for health, safety, and accessibility modifications for household members with disabilities.

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.

State of Vermont Manufactured Home Repair Program offers funding to homeowners of mobile homes in a mobile home park (also known as manufactured home communities). Home repair awards are for repairing existing homes to prevent displacement due to habitability issues. 

Champlain Housing Trust offers the Vermont Farmworker Housing Repair Loan Program (FWH) and Farmworker Replacement Housing Loan Program (FWHR). The goal of this program is to preserve this important affordable housing resource and to help improve the health and welfare of the farm workforce.

Weatherization: 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.

Champlain Valley Weatherization offers a variety of services to both income-qualified homeowners AND renters to improve home energy efficiency and comfort, and to decrease heating bills. CVOEO will work with a rental property owner to bring tenants the benefits of the program at little or no cost to the landlord.

Wastewater & Water Systems: The Vermont Wastewater and Potable Water Revolving Loan Fund, also known as the On-site Loan Program, is available to certain Vermont residents to repair or replace failed on-site wastewater and water supply systems.