Down payment assistance · Chittenden County
Buying a home in Charlotte, VT
6 statewide.Charlotte has no program of its own, and 6 statewide. Here is what each one offers, and who near you can walk you through it.
What’s local to Charlotte
No program of Charlotte’s own yet
No program run for Charlotte or for Chittenden County alone is listed. A home in Charlotte can use the Vermont statewide and federal programs below.
Income limits in Chittenden County
How programs here set their income limits
8 of the 68 programs here set their income limit as a share of Chittenden County’s area median income, adjusted for household size. See the published limits for Chittenden County
Free help nearbyFree help near Charlotte
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Vermont and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
Charlotte questions
Does Charlotte have its own down payment program?
No program run for Charlotte alone is listed. A home in Charlotte can use the 6 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Charlotte?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Chittenden County?
Each program sets its own. 8 of the programs here set theirs as a share of HUD’s area median income for Chittenden County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Charlotte?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Charlotte. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
05445
Nearby in Chittenden
Sources
Sources: agency sites (July 2026), HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July 2026). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.