Financial Assistance | Vermont Department of Health
Source: http://healthvermont.gov/environment/healthy-homes/financial-assistance
Archived: 2026-04-23 17:07
Financial Assistance | Vermont Department of Health
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Translations for you
Financial Assistance
Healthy Homes
Carbon Monoxide
Cleaning Safely
Financial Assistance
Home Renovations and Your Health
Indoor Air Quality
Lead Hazards and Lead Poisoning
Mold
Pests and Bed Bugs
Radon
Safe Home Environment
Funding Assistance for a Healthier Home
If your home has an environmental health problem such as radon, mold, lead or a failing water system, there may be money available to help you fix it. The following programs offer assistance with home repairs for health and safety. Read about the funding options below to see if you qualify.
General Home Repair
The following organizations offer help with funding repairs for a healthy home, including radon mitigation, getting rid of mold, lead testing and remediation, and repairing or constructing a water system.
NeighborWorks
NeighborWorks organizations provide low-cost loans and grants for home repairs. To be eligible, you must:
Own and occupy your home.
Have a gross household income less than 80% of the area median income.
There are five NeighborWorks organizations serving Vermont:
The
Champlain Housing Trust
serves Chittenden*, Franklin and Grand Isle counties (*Burlington properties are not eligible).
Downstreet Housing & Community Development
serves Washington, Orange and Lamoille counties.
RuralEdge
serves Caledonia, Orleans and Essex counties.
NeighborWorks of Western Vermont
serves Addison, Rutland and Bennington counties.
The
Windham & Windsor Housing Trust
serves Windham and Windsor counties.
USDA Rural Development's Section 504 Housing Program
The
Section 504 Home Repair program
provides low-cost loans and grants to eligible Vermonters. To be eligible for a loan, you must:
Own and occupy your home.
Have a gross household income less than 50% of your area’s median income.
Live in an eligible area. (
Check your address to determine your eligibility.
Burlington residents are not eligible.)
To qualify for a grant, you must be 62 or older and unable to repay a loan. Applicants under age 62 are eligible only for loans. Call the On-Site Loan Program at
802-461-6051
or visit the
United States Department of Agriculture website
for more information.
Radon, Mold and Lead Problems
These options offer funds to get rid of radon, mold and lead problems in your home.
FSA, HSA or HRA
You may be able to use funds from a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA) if:
A medical professional recommends addressing radon, lead or mold in your home because radon in your it is causing a medical condition.
A Letter of Medical Necessity (LMN) is provided.
Burlington Lead Program
The
Burlington Lead Program
provides forgivable loans and grants for households in Burlington and Winooski to fix lead problems. If you have lead in your home, the program can also help you with radon or mold problems while they are fixing it. To be eligible, you must:
Live at a property built before 1978.
Have a gross household income less than 80% of your area’s median income.
Have at least one bedroom.
Have a child under age 6 (for owner-occupied homes).
Enroll with the Burlington Lead Program to reduce lead hazards.
Apply online
.
For more information, email
[email protected]
or call
802-865-LEAD (5323)
.
VHCB Healthy & Lead-Safe Homes
The Vermont Housing & Conservation Board's
Healthy & Lead Safe Homes
program offers funding to reduce lead-based paint hazards in income-eligible housing. This program will hire certified lead abatement contractors to fix problems with lead paint in your home and test to make sure your home is safe to return to.
To qualify:
Your household income must be 80% or less than the median income for your county
You must live with a child age 6 or younger
if you own your home
Visit the
Healthy & Lead Safe Homes webpage
or call the program at
802-828-5064
to learn more or see if you qualify.
Private Water Systems
Vermont Wastewater and Potable Water Revolving Loan Fund
The
On-Site Loan Program
is available to certain Vermont residents for the repair or replacement of failed water supply and on-site wastewater systems. To be eligible for the program you must:
Have a “failed” drinking water supply.
Live in your home year-round.
Make less than 200% of Vermont’s median household income.
The On-Site Loan Program is funded and administered by the Agency of Natural Resources, Department of Environmental Conservation with loan underwriting and servicing provided by the Opportunities Credit Union in Winooski. Call the On-Site Loan Program at
802-461-6051
or visit the
Department of Conservation website
for more information.
ARPA Healthy Homes Initiative
The Agency of Natural Resources (ANR) received funding from the American Rescue Plan Act (ARPA) to provide safe and reliable drinking water sources and wastewater disposal systems for Vermonters. This program has been opened on a rolling basis to provide financial assistance to residential property owners, including owner-occupied multi-family properties with up to four units for the repair or replacement of failing or inadequate on-site water and/or wastewater systems.
Learn more on ANR's website.
Rural Community Assistance Partnership (RCAP) Programs and Loans
The Southeast Rural Community Assistance Project (SERCAP) has partnered with RCAP Solutions (North Eastern Rural Community Assistance Partnership) to provide low-interest loans to construct, refurbish or replace individual water well systems and septic systems for eligible homeowners. Here are the requirements:
Your residence must be in an eligible rural area, town, or community (defined as geographic area with 50,000 residents or less) in the RCAP Solutions service area of: Maine, New Hampshire, Vermont, Massachusetts, Connecticut, Pennsylvania, Rhode Island, New York, New Jersey, Puerto Rico and the U.S. Virgin Islands.
You must own (or provide recorded Lifetime Rights) and occupy the home being improved.
Your household limit is under the state median income limit.
New home construction and community water systems are not eligible.
Learn more and fill out a loan application online
. Contact SERCAP by phone at
540-345-1184
ext. 159 or email
[email protected]
for more information.
Water Well Trust
The Water Well Trust and its partners provide funding for wells and/or septic systems for people in rural or isolated areas that need access to safe drinking water or wastewater systems. These areas may not have access to public water supplies or sewer because they are difficult to reach. To be eligible for a loan, you must:
Have a deed or mortgage in your name for your home and property
Live at the property as your primary residence
Have lived there for at least one year (no new construction)
Not have a reliable water source for your home and no option to connect to a public water utility or sewer
Have a gross annual income based on your state's median non-metropolitan household income
Learn more at the
Water Well Trust's website.
To apply, you can start by filling out an
online form
, calling
833-539-8200
or emailing
[email protected]
.
More Resources
Download the Funding Assistance for a Healthier Home fact sheet
Efficiency Vermont
Vermont Weatherization Program
Last Updated:
January 29, 2026
Skip to main content
MENU
x
CLOSE
Translations for you
Financial Assistance
Healthy Homes
Carbon Monoxide
Cleaning Safely
Financial Assistance
Home Renovations and Your Health
Indoor Air Quality
Lead Hazards and Lead Poisoning
Mold
Pests and Bed Bugs
Radon
Safe Home Environment
Funding Assistance for a Healthier Home
If your home has an environmental health problem such as radon, mold, lead or a failing water system, there may be money available to help you fix it. The following programs offer assistance with home repairs for health and safety. Read about the funding options below to see if you qualify.
General Home Repair
The following organizations offer help with funding repairs for a healthy home, including radon mitigation, getting rid of mold, lead testing and remediation, and repairing or constructing a water system.
NeighborWorks
NeighborWorks organizations provide low-cost loans and grants for home repairs. To be eligible, you must:
Own and occupy your home.
Have a gross household income less than 80% of the area median income.
There are five NeighborWorks organizations serving Vermont:
The
Champlain Housing Trust
serves Chittenden*, Franklin and Grand Isle counties (*Burlington properties are not eligible).
Downstreet Housing & Community Development
serves Washington, Orange and Lamoille counties.
RuralEdge
serves Caledonia, Orleans and Essex counties.
NeighborWorks of Western Vermont
serves Addison, Rutland and Bennington counties.
The
Windham & Windsor Housing Trust
serves Windham and Windsor counties.
USDA Rural Development's Section 504 Housing Program
The
Section 504 Home Repair program
provides low-cost loans and grants to eligible Vermonters. To be eligible for a loan, you must:
Own and occupy your home.
Have a gross household income less than 50% of your area’s median income.
Live in an eligible area. (
Check your address to determine your eligibility.
Burlington residents are not eligible.)
To qualify for a grant, you must be 62 or older and unable to repay a loan. Applicants under age 62 are eligible only for loans. Call the On-Site Loan Program at
802-461-6051
or visit the
United States Department of Agriculture website
for more information.
Radon, Mold and Lead Problems
These options offer funds to get rid of radon, mold and lead problems in your home.
FSA, HSA or HRA
You may be able to use funds from a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA) if:
A medical professional recommends addressing radon, lead or mold in your home because radon in your it is causing a medical condition.
A Letter of Medical Necessity (LMN) is provided.
Burlington Lead Program
The
Burlington Lead Program
provides forgivable loans and grants for households in Burlington and Winooski to fix lead problems. If you have lead in your home, the program can also help you with radon or mold problems while they are fixing it. To be eligible, you must:
Live at a property built before 1978.
Have a gross household income less than 80% of your area’s median income.
Have at least one bedroom.
Have a child under age 6 (for owner-occupied homes).
Enroll with the Burlington Lead Program to reduce lead hazards.
Apply online
.
For more information, email
[email protected]
or call
802-865-LEAD (5323)
.
VHCB Healthy & Lead-Safe Homes
The Vermont Housing & Conservation Board's
Healthy & Lead Safe Homes
program offers funding to reduce lead-based paint hazards in income-eligible housing. This program will hire certified lead abatement contractors to fix problems with lead paint in your home and test to make sure your home is safe to return to.
To qualify:
Your household income must be 80% or less than the median income for your county
You must live with a child age 6 or younger
if you own your home
Visit the
Healthy & Lead Safe Homes webpage
or call the program at
802-828-5064
to learn more or see if you qualify.
Private Water Systems
Vermont Wastewater and Potable Water Revolving Loan Fund
The
On-Site Loan Program
is available to certain Vermont residents for the repair or replacement of failed water supply and on-site wastewater systems. To be eligible for the program you must:
Have a “failed” drinking water supply.
Live in your home year-round.
Make less than 200% of Vermont’s median household income.
The On-Site Loan Program is funded and administered by the Agency of Natural Resources, Department of Environmental Conservation with loan underwriting and servicing provided by the Opportunities Credit Union in Winooski. Call the On-Site Loan Program at
802-461-6051
or visit the
Department of Conservation website
for more information.
ARPA Healthy Homes Initiative
The Agency of Natural Resources (ANR) received funding from the American Rescue Plan Act (ARPA) to provide safe and reliable drinking water sources and wastewater disposal systems for Vermonters. This program has been opened on a rolling basis to provide financial assistance to residential property owners, including owner-occupied multi-family properties with up to four units for the repair or replacement of failing or inadequate on-site water and/or wastewater systems.
Learn more on ANR's website.
Rural Community Assistance Partnership (RCAP) Programs and Loans
The Southeast Rural Community Assistance Project (SERCAP) has partnered with RCAP Solutions (North Eastern Rural Community Assistance Partnership) to provide low-interest loans to construct, refurbish or replace individual water well systems and septic systems for eligible homeowners. Here are the requirements:
Your residence must be in an eligible rural area, town, or community (defined as geographic area with 50,000 residents or less) in the RCAP Solutions service area of: Maine, New Hampshire, Vermont, Massachusetts, Connecticut, Pennsylvania, Rhode Island, New York, New Jersey, Puerto Rico and the U.S. Virgin Islands.
You must own (or provide recorded Lifetime Rights) and occupy the home being improved.
Your household limit is under the state median income limit.
New home construction and community water systems are not eligible.
Learn more and fill out a loan application online
. Contact SERCAP by phone at
540-345-1184
ext. 159 or email
[email protected]
for more information.
Water Well Trust
The Water Well Trust and its partners provide funding for wells and/or septic systems for people in rural or isolated areas that need access to safe drinking water or wastewater systems. These areas may not have access to public water supplies or sewer because they are difficult to reach. To be eligible for a loan, you must:
Have a deed or mortgage in your name for your home and property
Live at the property as your primary residence
Have lived there for at least one year (no new construction)
Not have a reliable water source for your home and no option to connect to a public water utility or sewer
Have a gross annual income based on your state's median non-metropolitan household income
Learn more at the
Water Well Trust's website.
To apply, you can start by filling out an
online form
, calling
833-539-8200
or emailing
[email protected]
.
More Resources
Download the Funding Assistance for a Healthier Home fact sheet
Efficiency Vermont
Vermont Weatherization Program
Last Updated:
January 29, 2026