Vermont down payment assistance, deep-checked against current state program sources.
A current inventory of state-run and state-administered assistance in Vermont, plus national DPA options. Funding and rate sheets can still change after this review date.
Reviewed September 11, 2026 • Joshua Dobson, NMLS #190260
Quick comparison
| Program | Potential assistance | Published min. FICO | Repayment/Forgiveness | Biggest catch |
|---|---|---|---|---|
| VHFA ASSIST | Up to $10,000 | program specific | 0% deferred second, no monthly payments; due sale/refi/mortgage payoff | Liquid-asset cap applies; can be combined with eligible First Generation grant. |
| VHFA First Generation Homebuyer Program | $15,000 grant | program specific | Grant; no repayment under current program terms | Special first-generation criteria and liquid-asset cap apply; can combine with ASSIST if eligible. |
VHFA ASSIST
VHFA ASSIST is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: program specific
VHFA First Generation Homebuyer Program
VHFA First Generation Homebuyer Program is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: program specific
National programs Vermont buyers should also check
National Homebuyers Fund
NHF multi-state assistance may be available through participating lenders. Current lender/product terms control credit, pricing, assistance and repayment or forgiveness.
Published minimum FICO: product/lender specific
Chenoa Fund
Chenoa Fund provides FHA down-payment assistance through approved lender partners. Current matrices control credit, pricing and second-mortgage terms.
Published minimum FICO: product/lender specific
Vermont's biggest DPA lesson
Vermont has two state-funded assistance programs that can potentially work together: the $10,000 deferred ASSIST loan and the $15,000 First Generation grant.
Let Josh compare the available programs.
Send the city/ZIP, purchase price, credit range, household income and first-time-buyer status.