Champlain Housing Trust Shared Equity Homeownership

How much assistance

Below-market purchase price through shared equity model, plus down payment assistance (Deferred Loan)

Shared equity model: CHT retains a share of home equity, keeping the home permanently affordable. Buyers purchase at below market rate.

Eligibility

• Income limits: At or below 100% of area median income (AMI)
• First-time buyer required: Yes — First-time homebuyer.
• Geographic restrictions: Northwest Vermont including Chittenden, Franklin, Grand Isle, and Addison counties.
• Homebuyer education required: Yes

How to Apply for Champlain Housing Trust Shared Equity Homeownership

Notes

CHT has operated its shared equity program for 40 years and stewards over 565 owner-occupied homes. HUD-approved housing counseling agency. Offers homebuyer education in English, Russian, and Spanish.

Cities Where This Program Is Available

• South Burlington, VT
• Essex Junction, VT
• Colchester, VT
• Milton, VT
• Burlington, VT
• Essex, VT
• Williston, VT