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Champlain Housing Trust offers a manufactured housing down payment loan that is designed to be a “silent second” to a first mortgage. They are offered at 0% interest with all payments deferred until the property is sold, transferred or refinanced. These loans can be used in any Vermont county, as long as the buyers meet the eligibility requirements. The loans can be used to help purchase a new Energy Star-rated or Zero Energy Ready manufactured home. Loan amounts are $30,000 for homes that will be placed in a park or on leased land, and $40,000 for those going onto owned land.

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