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

Updated: July 15, 2022

VHAP program helps homeowners

The Vermont Homeowner Assistance Program (VHAP) provides grants of up to $30,000 to eligible homeowners who have had a COVID-related financial hardship and are behind on expenses for their primary residence. 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 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 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, 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 homeowner 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: Jul 15, 2022