You can take advantage of the Vermont Charitable Housing Tax Credit when you invest in the Loan Fund to support affordable housing. It's so simple: almost a quarter of our investors opted in to receive the Credit last year.

Here’s How It Works:

The State of Vermont's Charitable Housing Tax Credit is currently 3.0%. Investors who opt to receive the CHTC won't earn any investment interest from the Loan Fund; instead you'll receive a tax credit equal to 3.0% of the value of your VCLF investment to offset your State of Vermont income tax liability.

Since you're receiving a credit (as opposed to a refund), that benefit is completely untaxed. This means that after taxes, the benefit you will have received will be greater than the amount you would have received with an investment with us at an equivalent rate.

We like to think of the Charitable Housing Tax Credit as a "win-win-win."

• You win. You receive the highest possible rate of return for your VCLF investment.
• The Loan Fund wins. We can pass on the lower cost of financing to the borrower.
• Vermont wins. The state leverages private capital to meet a public need for safe, affordable homes.

Join us and take advantage of this powerful tool that creates more affordable housing opportunities. Contact Jake Ide, Director of Investment & Philanthropy, at jake@vclf.org or (802) 223-4423 today.

• CLICK HERE to download everything you need to invest in the Vermont Community Loan Fund.
• CLICK HERE to learn more about the Charitable Housing Tax Credit at the State of Vermont's Agency of Commerce and Community Development.

*These rates are subject to change every July 1st. Investors must opt in to the Charitable Housing Tax Credit Program on VCLF's Investor Response Form. The Vermont Community Loan Fund does not provide tax advice. Please consult your tax advisor to determine how the Charitable Housing Tax Credit can benefit you.