Downstreet Shared Equity Program Down Payment Assistance Grant
Assistance grant · Income limits
Down payment assistance · Washington County
Buying a home in Waterbury, VT
1 county program and 6 statewide.Waterbury has no program of its own, 1 across Washington County, 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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What’s local to Waterbury
No program of Waterbury’s own yet
No program run for Waterbury alone is listed. A home in Waterbury can use Washington County’s programs below, plus the Vermont statewide and federal ones.
Anywhere in WashingtonAnywhere in Washington County
1 county program1 county program a Waterbury homebuyer can use
The Waterbury marketThe Waterbury housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Waterbury
- 36.7% single-familysingle-family
- 12.5% townhousetownhouse
- 18.9% 2–4 units2–4 units
- 31.9% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. Waterbury’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Waterbury’s homes were built
pre-19401970s2020+
67.1%
of Waterbury 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.
$114,000
County area median income, 4 people (HUD)HUD area median income, Washington County, 4-person household (2026)
$54,273
Waterbury median household incomeMedian household income in Waterbury (Census, 2024)
9 of the 69 programs here set their income limit as a share of Washington County’s area median income, adjusted for household size. See the published limits for Washington County
Free help nearbyFree help near Waterbury
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Waterbury’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Downstreet Shared Equity Program Down Payment Assistance Grant 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
Waterbury questions
Does Waterbury have its own down payment program?
No program run for Waterbury alone is listed. A home in Waterbury can use the 1 program that cover Washington County and the 6 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Waterbury?
Waterbury’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Washington County?
Each program sets its own. 9 of the programs here set theirs as a share of HUD’s area median income for Washington 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 Waterbury?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
05671 · 05676
Nearby in Washington
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.