Vermont Home Buying Guide
Northeast Region · Judicial Foreclosure State
Key Facts at a Glance
What Makes Vermont Unique
High transfer tax at 1.25%
Vermont's housing stock is old — thorough inspection essential
Attorney required and judicial foreclosure provides strong protections
First-Time Buyer Programs in Vermont
VHFA Move Market Rate Loan
Contact your state housing finance agency for current eligibility and rates
VHFA Advantage Down Payment Assistance
Contact your state housing finance agency for current eligibility and rates
Stowe/Montpelier local programs
Contact your state housing finance agency for current eligibility and rates
Program availability, income limits, and interest rates change frequently. Verify current terms with your lender or state housing finance agency.
Closing Costs in Vermont
Attorney at Closing
Attorney Required at Closing
Vermont requires a licensed real estate attorney to oversee the closing process. Budget $500–$1,500 for attorney fees.
Local Tips for Vermont Buyers
High transfer tax adds significant upfront cost.
Older homes common — inspect for lead paint, asbestos, older systems.
VHFA Advantage provides up to $5,000 DPA at 0%.
Estimated Annual Ownership Cost in Vermont
Based on the median home price of $390,000 with a 10% down payment and 7% mortgage rate.
Ready to Calculate Your Numbers?
Use our free calculators to estimate your monthly payment, affordability, and closing costs in Vermont.