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Homebuyer Programs in Williston, VT (2026)

Last updated April 5, 2026 | Population: 10,091 | Median home price: $565,000 | Est. closing costs: $11,500 - $17,000

Skyline of Williston, VT

Williston is a fast-growing town in Chittenden County, Vermont, located just south of Burlington along Interstate 89. Known for its commercial district, top-rated schools, and suburban amenities, Williston is one of the more expensive markets in the state with a median home price around $565,000. Despite the higher price point, homebuyers can access significant assistance. The VHFA ASSIST program provides up to $10,000, the VHFA First Generation Homebuyer Grant offers up to $15,000, and the NeighborWorks of Western Vermont DPA Loan provides up to $50,000 or 20% of the purchase price. The Champlain Housing Trust Homeownership Equity Program offers up to $25,000 in 0% interest loans for shared equity buyers, and their Shared Equity Homeownership program makes homes available at below-market prices. By combining programs, eligible buyers can make Williston homeownership more attainable.

Top Homebuyer Programs in Williston

FHA Loans
Type:
Government-Insured Mortgage
Amount:
Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
First-time only:
No
FHLBA Community Partners Product
Type:
Forgivable Loan
Amount:
Up to $20,000 in home purchase assistance for down payment and closing costs
First-time only:
No
FHLBA First Time Homebuyer Product
Type:
Forgivable Loan
Amount:
Up to $17,500 in home purchase assistance for down payment and closing costs
First-time only:
Yes
FHLBA Workforce Housing Plus+
Type:
Forgivable Loan
Amount:
Up to $15,000 in home purchase assistance for down payment and closing costs
First-time only:
No
Good Neighbor Next Door (HUD)
Type:
Government Property Sale Program
Amount:
50% discount off the list price of HUD-owned homes
First-time only:
Yes
Home Possible Mortgage (Freddie Mac)
Type:
Government-Guaranteed Mortgage
Amount:
Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
First-time only:
No
HomeReady Mortgage (Fannie Mae)
Type:
Government-Guaranteed Mortgage
Amount:
Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
First-time only:
No
HUD $100 Down Program
Type:
FHA-Financed HUD REO Purchase
Amount:
Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
First-time only:
No
USDA Rural Development Loans
Type:
Government-Guaranteed Mortgage
Amount:
100% financing (no down payment required); loan amount up to appraised value
First-time only:
No
VA Loans
Type:
Government-Guaranteed Mortgage
Amount:
No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
First-time only:
No
Champlain Housing Trust Homeownership Equity Program (HEP)
Type:
Deferred Loan
Amount:
Up to $25,000
First-time only:
Yes
Champlain Housing Trust Shared Equity Homeownership
Type:
Deferred Loan
Amount:
Below-market purchase price through shared equity model, plus down payment assistance
First-time only:
Yes
Green Mountain Habitat for Humanity Homeownership Program
Type:
Zero-Interest Loan
Amount:
Affordable home purchase with zero-interest mortgage
First-time only:
No
NorthCountry Federal Credit Union Equity Builder Program
Type:
Grant
Amount:
Up to $25,000 in down payment and closing cost assistance
First-time only:
Yes
Vermont Federal Credit Union Seed Money Program
Type:
Grant
Amount:
Up to $7,500 (3% of purchase price)
First-time only:
Yes
NeighborWorks of Western Vermont Down Payment Assistance Loan
Type:
Repayable Loan
Amount:
Up to $50,000 or 20% of purchase price, whichever is lower
First-time only:
No
VHFA ASSIST Down Payment Assistance
Type:
Deferred Loan
Amount:
Up to $10,000
First-time only:
Yes
VHFA First Generation Homebuyer Grant
Type:
Grant
Amount:
Up to $15,000
First-time only:
Yes
VHFA MOVE MCC (Mortgage Credit Certificate)
Type:
Tax Credit
Amount:
Federal tax credit based on mortgage interest paid annually
First-time only:
Yes
VHFA MOVE Mortgage Program
Type:
Government-Insured Mortgage
Amount:
Below-market interest rate mortgage with down payment as low as 0-5%
First-time only:
Yes

How to Apply

  1. Step 1:

    Check your eligibility. Most programs require income at or below 80-120% of Area Median Income for Chittenden County. The VHFA MOVE program requires that you have not owned a home in the past 3 years if purchasing in Chittenden County.

  2. Step 2:

    Complete homebuyer education. Champlain Housing Trust offers a HUD-approved HomeBuyer Education Certificate Program in the Burlington area. Contact them at (802) 862-6244 or info@getahome.org to register.

  3. Step 3:

    Contact a housing counselor. Champlain Housing Trust provides free homeownership counseling for buyers in Chittenden County including Williston. They can help assess program eligibility, review your finances, and create a purchase plan.

  4. Step 4:

    Get pre-approved for a mortgage. Work with a VHFA-participating lender such as Vermont Federal Credit Union or NorthCountry Federal Credit Union to explore MOVE mortgage options with as little as 0-5% down.

  5. Step 5:

    Apply for down payment assistance. Submit applications for the VHFA ASSIST program (up to $10,000), the VHFA First Generation Homebuyer Grant (up to $15,000 for first-generation buyers), the NorthCountry FCU Equity Builder Program (up to $25,000), or the Champlain Housing Trust HEP (up to $25,000 for shared equity buyers).

  6. Step 6:

    Find a home and close. Work with your lender and housing counselor to find a home within program limits, then complete your purchase with assistance funds applied at closing.

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