VHFA Homebuyer Programs
Affordable mortgage options, participating lenders, education, income limits, and current rates.
Visit official website ↗Your first home starts here
A clearer path
to homeownership.
Friendly, local guidance for first-time buyers across Vermont and New Hampshire—from early questions and financing options to showings, inspections, and closing.
Ask Linda a QuestionBegin with the basics
You do not have to figure it out alone.
First-time buyer programs can reduce the money needed upfront, offer affordable mortgage terms, or provide education that helps you prepare. Eligibility depends on your income, household, credit, property, location, and available funding.
Highland Realty can help you understand the process, identify questions for your lender, and find homes that fit both your needs and your financing.
Plan your budget
Mortgage calculator
Adjust the numbers to see an estimated monthly payment.
Explore assistance
Programs & trusted resources
VHFA First-Generation Grant
Eligible first-generation buyers may receive a $15,000 grant for down payment and closing costs while funds are available.
Visit official website ↗VHFA ASSIST
Eligible first-time buyers may receive up to $10,000 through a 0% deferred loan with no monthly payment.
Visit official website ↗Windham & Windsor Housing Trust
Homebuyer education, counseling, and shared-equity opportunities for income-qualified buyers.
Visit official website ↗New Hampshire Housing
Mortgage programs, homebuyer education, and down payment or closing-cost assistance for eligible buyers.
Visit official website ↗USDA Rural Development
Direct and guaranteed loan options for eligible buyers and properties in qualifying rural areas.
Visit official website ↗FHA Loans & 203(k) Rehab
Low-down-payment financing and renovation-loan information from the U.S. Department of Housing and Urban Development.
Visit official website ↗Program details, funding, limits, and eligibility can change. These links are provided for general information; a participating lender or program administrator must confirm your eligibility and current terms.
A practical way to begin
Four good first steps
- 1Take approved homebuyer education. Learn the process and satisfy education requirements used by many assistance programs.
- 2Talk with a participating lender. Ask to be screened for every program you may qualify for—not only one loan type.
- 3Compare the full picture. Review monthly payment, cash needed at closing, mortgage insurance, taxes, and future expenses.
- 4Get written confirmation. Verify buyer, property, and funding eligibility before relying on assistance in an offer.
Local guidance · VT & NH
Ready to take your first step?
Tell Linda or Chris where you hope to buy, and we will help you build a practical plan.