Housing Loan Fund

Take Care of the Home You Have

Are you avoiding home repair projects due to cost? The Loan Fund at Champlain Housing Trust helps homeowners address critical health and safety issues through low cost loans, flexible terms, and matching grant funds. Projects can include new roofs, heating/hot water systems, electrical and plumbing updates, and replacement of major items such as wells and septic systems. CHT can also help with energy improvements and home accessibility modifications. Additionally, CHT will help you navigate the construction process and ensure your contractor is fully insured. Essential repairs can make your home safer, more comfortable, more attractive, and more affordable to heat.

Apply today to help protect your biggest asset!

CHT Loan Fund Staff can help you:

• Fill out the application 

  Home Repair Loan Eligibility Packet (638 KB)

• Determine your scope of work
• Navigate the construction process
• Obtain a project grant of $2,500!

Due to the high volume of interest in the program, please expect six weeks to process an eligibility packet.

Learn More

Contact Us for More Information: 802-861-7388 or Loans@getahome.org

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Manufactured Housing Down Payment Loan Program

Do you own an old, drafty mobile home and want to replace it with a new, Energy Star Rated model? Or are you interested in purchasing a new Energy Star Rated manufactured home, but can't quite afford the down payment? This program may be able to help. Our down payment assistance loans are designed to be a "silent second" to a first mortgage. The loans are offered at 0.00% interest, and all payments are deferred until the property is sold, transferred, or refinanced. The loans are assumable, which will allow the next buyer of the home to take advantage of this loan if they meet the program qualifications. 

To Start the Application Process:

1. Complete Homebuyer Education and Counseling at your NeighborWorks Homeownership Center 
2. Submit an Interest Form

   Manufactured Home DownPayment Loan Interest Form (550 KB)

Learn More

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Contact Us for More Information: 802-861-7388 or Loans@getahome.org

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