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The Community & Economic Development Office and the Neighborworks®HomeOwnership Center of Vermont have a program to help low and moderate income home buyers purchase a duplex in the City.

•Downpayment awards are typically no interest, deferred payment loans for $10,000.
•Priority given to first time homebuyers.
•Property located in Old North End, Lakeside, or King Street Neighborhoods. For property eligibility, view a map of the Housing Program Target Neighborhood.
•Property must be 2, 3, or 4 units.
•Property must be primary residence of Borrower.
•Borrower must secure primary financing from lender.
•No tenants can be displaced as a result of the purchase.
•At the time of the closing, either the Borrower or tenant household income must be no more than 80% of median income for Burlington.
•Required affordability in the tenant’s unit: Owner cannot increase the rent of the rental unit for 1 year from loan closing and rent cannot increase more than 3% per year for the 4 subsequent years OR rental unit is occupied by a Section 8 tenant for 5 years from loan closing.

For more information, contact:

Todd Rawlings, Housing Program Manager

Not interested in a multi-unit building?

Go directly to the NeighborWorks®HomeOwnership Center of Vermont. Call 802-862-6244 or visit the web site. The HomeOwnership Center (HOC) is a nonprofit organization dedicated to expanding homeownership opportunities for residents in Chittenden, Franklin and Grand Isle Counties. Here’s how the HOC helps new home buyers:

•Home Buyer Education – They help customers determine if homeownership is right for them, help them through the process of buying a home step by step, and provide post-purchase support. HOC Orientations are offered on a weekly or bi-weekly basis. All services are explained at that meeting. If a customer decides to work with the HOC, they complete a confidential personal profile. There is a small fee for a credit report and workshop materials. The next step is to attend one of the monthly Home Buyer Workshops. HOC staff and customers work together on a home buying plan. From there customers can take advantage of all the HOC services and programs listed below.

•Credit and Budget Counseling – If a customer needs to rebuild his/her credit or would like guidance on budgeting toward buying a home, the HOC offers private, confidential counseling.

•Financial Assistance – The HOC helps find the most affordable home financing options, which may include help with down payment and closing costs. HOC staff assists with contacting the lender of choice and works with the customer every step of the way.

•Special Lender Programs – HOC staff guide customers to the resources that help get the most home for their money.

•Home Maintenance Education – To help new home buyers make the most of their home and keep it in great shape, the HOC offers home maintenance/repair and lawn and garden care workshops led by experts in the field.

•Home Rehab Planning and Loans – HOC staff arrange a post inspection rehab plan to ensure home buyers have the resources to fix any problems in their new home.

•Delinquency Intervention – If a customer gets behind in their mortgage payments, HOC staff works to get them back on track and in good standing.