VHFA ADVANTAGE
VHFA ADVANTAGE is a 0% assist 2nd 5-yr forgive from VHFA. Available statewide in Vermont. Up to $15,000 toward a home purchase. Income limit: $140K (or $170K 3+ HH).
Up to $15,000
Listed as open as of May 2026
Available statewide in Vermont.
| Income limit | $140K (or $170K 3+ HH) |
|---|---|
| Minimum credit score | 620 |
| Homebuyer education | Required (HFA-approved (Framework, eHome, NeighborWorks, etc.)) |
| Occupations | Statewide VT (higher-income) |
| Property types | 1-4 family, condo, townhome, manuf |
| Occupancy | Owner-occupied primary |
| Eligible loan products | FHA/Conv |
| Sales price cap | $500,000 max |
| Repayment | 0% forgiven 5 yrs |
| Forgivable | Per program structure |
| Stacking | Pairs with ASSIST |
Provider: VHFA · program details at the provider’s site.
See if VHFA ADVANTAGE fits your purchase
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More Vermont programs
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0% ASSIST 2nd 5-yr forgive · Up to $15,000
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ASSIST DPA + MCC · Amount varies by program
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below_market_rate · Amount varies by program
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deferred_loan · Up to $10,000
-
grant · Up to $15,000
-
mortgage_credit_certificate · Up to $2,000 or Up to 50%