Financial Assistance To Pay Your Bills

Need Help Paying Your Bills?

Rent Mortgage Utility

Many Vermonters are struggling due to the economic impacts of the ongoing Covid-19 pandemic. We want you to know about these programs for all eligible Vermonters who need help paying rent, mortgage, and/or utility bills. We encourage you to apply as soon as possible if you are eligible.

Mortgage & Utilities Assistance for Homeowners

If you are a homeowner behind on mortgage and/or utilities, please email or call 802-810-8218 to make an appointment with a Champlain Housing Trust Housing Counselor to talk about options that are available to you.

Now open! Vermont Housing Finance Agency (VHFA) is accepting applications for assistance from Vermont homeowners who are behind on their housing expenses due to the COVID-19 pandemic. Funded through the Federal American Rescue Plan Act, the Vermont Homeowner Assistance Program (Vermont HAP) provides grants to eligible Vermont homeowners for missed mortgage payments, property association fees, property taxes, and/or utilities.

 Visit Vermont HAP to check eligibility and apply.

Or, call the Helpline at 833-221-4208, Monday through Friday, 8 am – 5 pm.

Home Fuel/Heat Assistance:
Homeowners with a home heating emergency or who are in danger of running out of fuel to heat your home, Crisis Fuel Assistance through Champlain Valley Office of Economic Opportunity (CVOEO) may be available. For information and to apply, visit CVOEO’s website or call (802) 862-2771 or 1-800-287-7971 (Voice/TDD).

Rent & Utilities Assistance

The Vermont Emergency Rental Assistance Program (VERAP) assists renters with financial challenges related to the Covid-19 pandemic. Households who qualify may receive financial assistance for rent, utilities, moving costs, and security deposits. For translation services or questions, call VERAP at 833-488-3727.

To learn more and apply:
Application for renters with Reach Up (Department of Children and Families).
Application for all other renters
(Vermont State Housing Authority).

Questions or need assistance with any of these programs?

Champlain Housing Trust Housing Counselors are trained and ready to help you access funds to keep up with payments. Please email or call 802-810-8218 and make an appointment. Our call volume is high, but we do our best to return your call within 48 (weekday) hours.

Avoid Scams

Avoid scammers who pose as government representatives or agencies offering financial assistance. The federal government will not call, text, or send an online message. Do not respond to requests for gift cards, cash, credit card, or banking information. These are likely scams.

Article updated 2.7.22