Building a new home or ADU in Vermont comes with more financial support than most people realize. From low-rate mortgages to grants and energy rebates, there are multiple programs that can significantly reduce your upfront costs and long-term expenses, and many of them can be combined. This guide highlights some of the most impactful opportunities available today.
Combined grants, rebates, and financing programs can significantly lower total project cost.
Programs through the Vermont Housing Finance Agency offer 0–5% down, plus up to $5,000 in deferred down payment assistance.
Mortgage Credit Certificates can provide up to $2,000 per year in federal tax credits.
USDA Rural Development loans allow eligible buyers to finance construction and mortgage with no money down.
Vermont’s VHIP program offers forgivable funding to support building an accessory dwelling unit.
Efficiency Vermont incentives can cover a large portion of insulation, air sealing, and efficiency upgrades.
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