VHFA (Vermont Housing Finance Agency) at vhfa.org provides MOVE and MOVE MCC mortgage programs with DPA for qualifying Vermont buyers.

What is a Mortgage Credit Certificate (MCC) in Vermont?

VHFA's MCC provides a federal income tax credit equal to a percentage of annual mortgage interest paid — reducing federal tax liability over the loan term. It can be combined with VHFA mortgage programs.

How limited is Vermont's housing supply?

Vermont has among the most constrained housing supplies in the Northeast — a combination of historic zoning restrictions, Act 250 environmental review, and limited buildable land. Supply constraints support elevated prices relative to local income levels.

Are USDA loans available in Vermont?

Yes — many rural Vermont communities are eligible for USDA Rural Development loans.

Where can I find a HUD counselor in Vermont?

HUD lists approved housing counselors at hud.gov/states/vermont.

Mortgages in Vermont

Vermont has limited housing supply and elevated prices relative to its income levels. Burlington and the Chittenden County metro are the most competitive markets. Ski resort communities (Stowe, Sugarbush area) operate at premium price points. Rural Vermont is more accessible.

More Vermont guides

Personal Loans in Vermont Auto Insurance in Vermont Homeowners Insurance in Vermont Renters Insurance in Vermont Auto Loans in Vermont Student Loans in Vermont Life Insurance in Vermont High-Yield Savings in Vermont

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