Buy a Home
The leading developer and provider of affordable housing in the Upper Connecticut River Valley region for individuals and families with low to moderate incomes.
Homeownership Program
Twin Pines Housing provides down payment grants to help reduce the purchase price of a home or condo for qualifying families. In exchange for this grant, homebuyers agree to limit their profit should they sell the home. This profit cap allows the home to remain affordable to future buyers of modest means.
Grants may be available for buyers earning up to 120% of the county’s median income where the home is located. For example, the 2023 income limit for a three-person household in Windsor County, VT is $100,800.
Our homeownership team has been stewarding homes in this program since 1990, with homes added to the program as new grants become available. So if you are interested in purchasing a home already in the program or have found your dream home on your own, it’s time to get started.
Learn how we help make homeownership a reality: download our brochure!
To apply for our program, please complete a Buyer Application: download our Buyer Application!
Mail or email the completed application to us and we will follow-up with you promptly.
CONDO FOR SALE – PRICE IMPROVEMENT!
67 Safford Commons Way, Unit 1, Woodstock, VT
2-bedroom, 1-bathroom
BUYER’S PRICE: $205,000
(The fair market value of the condo is $360,000. Twin Pines Housing Trust will provide $155,000 in downpayment assistance to income eligible buyers. Twin Pines Housing’s shared-equity homeownership program is available to households with income up to 120% AMI.)
This affordable 1,025 square foot condominium is in close proximity to area amenities, shopping, and schools, and is on public water and sewer.
To qualify, household income limits are:
$ 93,840 for one person
$ 107,160 for two persons, and
$ 120,600 for three persons.
To apply to purchase this condo, contact Anne Hill, Homeownership Coordinator, Anne.Hill@tphtrust.org or 802-291-700 extension 102.
Downpayment Grants Help Qualifying Buyers Purchase a Home in VT
Twin Pines Housing is currently accepting applications for down payment grants to help qualifying buyers purchase a home in Vermont. The maximum grant amount is $80,000, or 35% of the purchase price of the property, whichever is less. New grant funds typically become available in July and go quickly, so contact us to begin the application process.
Homebuyer’s Workshop
Twin Pines Housing encourages ALL homebuyers, especially first-time homebuyers, to take an approved homebuyer’s class. Completion of an approved class is required before buying a home in our program and is also required by certain mortgage lenders, such as USDA Rural Development, VHFA and NH Housing. The three providers to the right offer approved classes – Downstreet and Windham & Windsor offer classes for Vermont, AHEAD offers classes for New Hampshire. Please click on their logo for class schedules and locations, including some online options.
Twin Pines Housing is expanding its offerings of local homebuyer classes. Save yourself the time and expense of driving an hour to 1.5 hours away by attending a class in the Upper Valley. Classes utilize the national eight-hour Neighborworks curriculum. Check back for local dates and times.
Twin Pines Housing is an equal opportunity provider and employer