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You don’t have to go it alone when buying a home for the first time. The New Hampshire Housing Finance Authority, or New Hampshire Housing, offers special 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. A variety of 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
The New Hampshire Housing Finance Authority offers a variety of 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.
» MORE: Tips for first-time home buyers
Down payment and closing cost assistance available.
Condominiums and up to four-unit homes are allowed.
Income must be at or below $128,900.
Must be creditworthy.
Must complete a home buyer education class for some programs.
Must complete online purchase rehab training program for Purchase Rehab loan.
New Hampshire first-time home buyer programs
Summary: 2020 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.
Home Preferred No MI with low down payment and no mortgage insurance requirement.
Purchase Rehab mortgage with low down payment and closing cost assistance.
Home Start Homebuyer Tax Credit for an annual portion of mortgage interest.
Home Preferred Manufactured 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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