Repayable second loan
Down payment assistance · Rutland County
Buying a home in Rutland, VT
1 Rutland program and 6 statewide.Rutland has 1 program of its own, and 6 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Rutland addresses
Rutland’s own program
The Rutland marketThe Rutland housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Rutland
- 48.6% single-familysingle-family
- 1.5% townhousetownhouse
- 29.4% 2–4 units2–4 units
- 17.6% 5+ unitscondo & apartment buildings (5+ units)
- 3% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Rutland’s homes were built
pre-19401970s2020+
84.3%
of Rutland homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$98,500
County area median income, 4 people (HUD)HUD area median income, Rutland County, 4-person household (2026)
$57,675
Rutland median household incomeMedian household income in Rutland (Census, 2024)
8 of the 69 programs here set their income limit as a share of Rutland County’s area median income, adjusted for household size. See the published limits for Rutland County
Free help nearbyFree help near Rutland
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Rutland’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Down Payment Assistance Loan (NeighborWorks of Western Vermont) asks for a homebuyer class. A HUD-approved counselor teaches it 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
Rutland questions
Does Rutland have its own down payment program?
Yes, one: Down Payment Assistance Loan (NeighborWorks of Western Vermont), a repayable second loan. It is for homes inside Rutland.
Can I use assistance on a condo in Rutland?
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 Rutland County?
Each program sets its own. 8 of the programs here set theirs as a share of HUD’s area median income for Rutland 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 Rutland?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Rutland. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
05701 · 05702
Nearby in Rutland
Sources
Sources: agency sites (July 2026), Census ACS 2024 5-year, 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). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.