Success Stories

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HopeBuilders Breakfast

Attend one of our informational HopeBuilders breakfasts to learn more about the Champlain Housing Trust and the affordable housing work we do in northwestern Vermont.

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Household Member Definition

for Shared Equity Program Application

Always Include:

  • All related (by blood or marriage) individuals who will be occupying the home full time
  • All persons whose names will appear on the title to the property 
  • Significant others who will be living in the home
  • Temporarily absent family members: i.e. military deployment, temporary work reassignment, etc. (must be able to show documentation)
  • Unborn children of pregnant women 
  • Adopted children
  • Children who live in the home and are in the process of being adopted
  • Children who are temporarily absent due to placement in a foster home
  • Children who will be living in the home more than 25% of the time
  • Children who are away at school but who live with the family during school recesses 

Never Include:

  • Any person (including children) who will be living in the home less than 25% of the time
  • Foster children or adults;
  • Live-in aides and/or their children; 
  • Child being pursued for legal custody or adoption who is not currently living with the household
  • Co-signers who will not be living in the home and will not be on the title to the property

Maybe Include:

  • Roommates – See further definition below Roommates

    • A roommate who has been living with the applicant for less than 12 months and will be staying in the new home for less than 12 months after purchase. Do not include this person on the application at all.
       
    • A roommate who does pay rent and has been living with the applicant for more than 12 months, and will live at the new property after purchase for more than 12 months. Do not include roommate as a household member, but do list rent payments received as an income source on the application.

    • A roommate who does not pay rent and has been living with the applicant for more than 12 months, and will live at the new property after purchase for more than 12 months. Include roommate as a household member and include all of their income sources on the application.