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

Update on 4/10/2023: The last day to apply for the VHAP program is June 12, 2023. Complete and submit applications on by 5 p.m. on that date.

VHAP program helps homeowners

The Vermont Homeowner Assistance Program (VHAP) provides grants of up to $30,000 to eligible homeowners who have financial problems because of COVID and are behind on expenses for the house they own and live in. The grants may help pay:

  • mortgage payments
  • mobile home loans
  • mobile home lot rent (for mobile home owners only)
  • property taxes
  • homeowner’s insurance premiums
  • association fees
  • utilities (sewer, water, electric, propane). 

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 utility 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. If it is a private electric or natural gas utility, they cannot shut off your services wile you have a VHAP application pending. To avoid a shutoff, give them your VHAP application ID number.

Contact your local Homeownership Center for help.

Vermont Veterans: Contact the Safely Home project for advice and help.

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, 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 homeowner association fees.

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