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New Hampshire Housing Finance Authority offers programs to help make buying a home more affordable in the Granite State.
If one of those isn’t a fit, a nationally available mortgage program might get you in the door. National options feature low down payment or low credit score requirements, making them good choices for many first-time home buyers.
Check out these national and state mortgage programs as you begin your homebuying journey.
National first-time home buyer programs
These nationally available mortgage programs offer low-down-payment or low-credit-score options.
New Hampshire Housing highlights and eligibility requirements
New Hampshire Housing Finance Authority offers programs to repeat and first-time home buyers to help them become successful homeowners. Explore these New Hampshire Housing programs to see if one of them might meet your needs.
Down payment and closing cost assistance available.
Condominiums and up to four-unit homes are allowed.
Income must generally be at or below $137,400.
Available for borrowers with credit scores of 620 and higher.
Must complete a home buyer education class for some programs.
» MORE: Tips for first-time home buyers
New Hampshire first-time home buyer programs
Summary: 2021 New Hampshire first-time home buyer programs
Home Flex Plus mortgage with down payment and closing cost assistance.
Home Preferred Plus mortgage with down payment and closing cost assistance, as well as discounted mortgage insurance.
Purchase Rehab mortgage with low down payment and closing cost assistance.
Home Start Homebuyer Tax Credit for long-term tax savings on mortgage interest.
Home Preferred Manufactured Housing Resident-Owned Communities mortgage with low down payment requirements and low-priced mortgage insurance.
You can learn more about the mortgage process by meeting with a homebuying counselor and attending a seminar or taking an online course. Details are available on the New Hampshire Housing website.
Once you’re familiar with the mortgage programs available — and before you start shopping for homes — contact one of the agency’s participating lenders to get prequalified for a mortgage.
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