VERMONT ● NEW HAMPSHIRE

SINGLE FAMILY HOUSING DIRECT LOAN PROGRAM
Rural Development makes loans to low and very-low income households to purchase an existing dwelling, purchase a site and construct a dwelling, or purchase a newly constructed dwelling located in rural areas of Vermont and New Hampshire. Loans can also be made for home repairs. Mortgage Payments are based on the household’s adjusted income. See USDA Rural Development Single Family Housing National website for additional details, including loan terms and standards.
Income Eligibility:
New Hampshire	Vermont
This program works on the basis of adjusted income. We suggest you contact a Housing Specialist if your income is close to these limits, or if you have a family size in excess of eight persons. If you income exceeds these limits, you might still qualify for a USDA Rural Development’s Guaranteed Rural Housing Loan. Click here for more information about the Housing Guaranteed Loan Program.
Area Loan Limits:
Loan Limits for Vermont and New Hampshire.
Area Income and Purchase Price/Loan Limits:
Area Income and Purchase Price(Loan) Limits for Vermont and New Hampshire.
Ineligible Areas for Single Family Housing Programs: The following areas are ineligible for the Rural Housing Programs due to population density:
Concord, Derry, Dover, Hudson, Keene, Nashua, Londonderry, Manchester, Merrimack, Portsmouth, Rochester, Salem, parts of Goffstown and Hooksett.	Burlington, South Burlington, Winooski, Southeast Area of Colchester Essex Junction
How to Apply: Interested applicants begin by contacting a New Hampshire or Vermont Housing Specialist in your area, or by downloading the Home Ownership Loan Pre-Qualification Package:
NH Home Ownership Loan Pre-Qualification Package	VT Home Ownership Loan Pre-Qualification Package
or by submitting a completed application to the Rural Development Housing Specialist serving your area.
VT and NH Direct Home Ownership Application
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