Financial Assistance

You may be able to use funds from a flexible spending account (FSA), health savings account (HSA) or a health reimbursement rearrangement (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.
   

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).
 

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.

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.

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.

Apply to pre-qualify for Round 4 funding until 3:00 p.m. EST on Wednesday, September 3, 2025! Fill out an online form to get started.

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.
 

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].