Mortgage Credit Certificate (Standalone)
Mortgage credit certificate · Income limits · First-time · Veterans
Down payment assistance · Vermont
Buying a home in Vermont
16 programs: 6 statewide, the rest run by counties and 1 city. What you can use depends on where the home is.16 programs across Vermont: 6 statewide, the rest run by counties and 1 city. What you can use depends on where the home is.
Free · No SSN · No credit pull
Start with your county
Local help, prices and income limits differ county to county
Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified July 2026.
Anywhere in Vermont
6 statewide programs
MOVE MCC
Mortgage credit certificate · Income limits · First-time
ADVANTAGE
First mortgage · Income limits
- Veterans · 5
- First-generation homebuyers · 2
- With FHA · 7
- With conventional · 7
- With VA · 7
- With USDA · 7
Plus 62 nationwide programs. See them See nationwide programs
Free help from a person
8 HUD-approved counseling agencies in Vermont8 HUD-approved housing counseling agencies in Vermont
5 of the 6 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.5 of the 6 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.
Find my counselor
Free account → 90-second match → your counselors
Income limitsIncome limits and price caps in VermontArea median income for all 14 counties, and the limit each program sets.See the limits
Vermont questions
What is Mortgage Credit Certificate (Standalone)?
Mortgage Credit Certificate (Standalone), a mortgage credit certificate for first-time homebuyers (income limits), open anywhere in Vermont and run by Vermont Housing Finance Agency (VHFA). Its page has the details and a link to the official site.
Which Vermont counties run their own programs?
1 county of 14 has a county or city program listed, among them Washington. The table above lists them, and each county page has its own programs.
Do I need a homebuyer class in Vermont?
Many programs ask for one. 5 of the 6 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.
Can I use assistance on a Vermont condo?
Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.
1 Vermont city with their own program