Paying Your Mortgage and Foreclosures During the COVID-19 Coronavirus Crisis

Updated on 3/10/2022

VHAP program helps homeowners

The Vermont Homeowner Assistance Program (VHAP) provides grants of up to $30,000 to eligible homeowners who have experienced a COVID financial hardship. The grants may help pay:

  • past-due mortgages
  • mobile home loans
  • property taxes
  • homeowner’s insurance premiums
  • association fees
  • utilities and other expenses. 

Follow this link to learn more about VHAP and to apply. You can also call the VHAP helpline at 1-833-221-4208.

If you apply for help with your utilities bills through VHAP, contact your utility companies to tell them you applied for help. Some utilities say they will not disconnect Vermonters during the application process. Give them your application ID number.

Translated information is available. Look for the language choices in the upper-right corner of Af Soomaali / Somali, العربية / Arabic, မြန်မာစာ / Burmese, Español / Spanish, Français / French, Ikirundi / Kirundi, Kiswahili / Swahili, नेपाली / Nepali, Tiếng Việt / Vietnamese, 中文 / Chinese.

Have questions?

Contact us with questions about foreclosure, property tax sales, or missed payments for mortgages, mobile home loans, property tax, utilities, homeowner’s insurance and homeowners association fees.

New water and wastewater program for homeowners

Learn about the Healthy Homes On-Site Program from the Vermont Agency of Natural Resources. It can help low- and moderate-income Vermont homeowners replace their home water or wastewater systems.

More information



Updated: Mar 10, 2022