Now Accepting Applications for the 804 N. Main Street Duplex!
Accepting applications until 12pm on Friday, February 27th.
Other Ways to Apply
Download a PDF application using this link
EMAIL TO:
[email protected]
OR
MAIL TO:
Downstreet Housing and Community Development
Attn: Homeownership Center
22 Keith Ave, Barre, VT 05641
EMAIL TO:
[email protected]
OR
MAIL TO:
Downstreet Housing and Community Development
Attn: Homeownership Center
22 Keith Ave, Barre, VT 05641
High-Performance, Permanently Affordable Duplex at 804 N. Main Street, Northfield, VT
This newly constructed, owner-occupied duplex offers a rare opportunity for permanently affordable homeownership in the heart of Northfield. Each home is built to ENERGY STAR® certification and Efficiency Vermont High Performance Home standards, featuring passive solar orientation, and is both solar-ready and EV-charger ready for long-term sustainability and low energy costs.
The homes are part of a shared-equity program, ensuring affordability for current and future homeowners. While the as-complete appraised value is estimated at $335,000 per unit, each mortgage will be tailored so total housing costs remain affordable at approximately 30% of household income. The required down payment is $500.
Each home will include two full bathrooms, with final bedroom counts determined by the selected partner homeowner’s household size. The appraisal assumed 3- and 4-bedroom layouts, though final designs will reflect homeowner needs.
Located on North Main Street, the homes are within close proximity to downtown Northfield, including grocery stores, local cafés, schools, banks, and community services, as well as Norwich University, the Northfield Common, and nearby parks and trails. Residents will enjoy easy access to community events, outdoor recreation, and a short drive to Montpelier.
This duplex combines high-performance design, affordability, and a strong sense of community, offering a stable and sustainable path to homeownership in Northfield.
This newly constructed, owner-occupied duplex offers a rare opportunity for permanently affordable homeownership in the heart of Northfield. Each home is built to ENERGY STAR® certification and Efficiency Vermont High Performance Home standards, featuring passive solar orientation, and is both solar-ready and EV-charger ready for long-term sustainability and low energy costs.
The homes are part of a shared-equity program, ensuring affordability for current and future homeowners. While the as-complete appraised value is estimated at $335,000 per unit, each mortgage will be tailored so total housing costs remain affordable at approximately 30% of household income. The required down payment is $500.
Each home will include two full bathrooms, with final bedroom counts determined by the selected partner homeowner’s household size. The appraisal assumed 3- and 4-bedroom layouts, though final designs will reflect homeowner needs.
Located on North Main Street, the homes are within close proximity to downtown Northfield, including grocery stores, local cafés, schools, banks, and community services, as well as Norwich University, the Northfield Common, and nearby parks and trails. Residents will enjoy easy access to community events, outdoor recreation, and a short drive to Montpelier.
This duplex combines high-performance design, affordability, and a strong sense of community, offering a stable and sustainable path to homeownership in Northfield.
Artistic renderings of the future duplex.
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APPLYING FOR HOMEOWNERSHIP
Who Can Apply
As active participants in the home building process, eligible Habitat homebuyers are:
- In Need of Shelter
The applicant's current shelter is inadequate because it is either structurally unsound, overcrowded, has unsafe, unsanitary or unhealthy conditions, or the resident is paying more than 50% of household income for housing. - Willing to Partner
The applicant agrees to complete 250 hours of "sweat equity" per adult in the household and participate in the partnership program that may include financial counseling and household management education. - Able to Pay an Affordable Mortgage
The applicant's household income is between 30% and 80% of the area’s median income based on household size (2025 numbers below). For a 20-30 year mortgage, a homeowner’s monthly housing expenses may be approximately $500 to $800 a month (includes mortgage payment, home insurance, and property taxes).
How to Apply
- Sign Up for Notifications: Use the form at the bottom of this page to join our mailing list. You’ll get updates when the application process opens (usually in the spring) and invitations to info sessions.
- Submit Your Application: When the application period opens, complete and submit your form to Downstreet or RuralEdge. Make sure you're signed up for notifications!
- Financial Check: Downstreet or RuralEdge will check if you meet the financial requirements to buy a home and then they share your information and application with CVHFH.
- Verification & Home Visit: A CVHFH team member will confirm your job and income details and schedule a home visit to assess your housing needs.
- Application Review & Decision: CVHFH will review all applications and choose new partner homeowners based on housing needs. You’ll get notified about your eligibility.
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