New Hampshire First-Time Home Buyer Programs of 2021

NerdWalletJan 1, 2021
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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.


  • Down payment and closing cost assistance available.

  • Condominiums and up to four-unit homes are allowed.


  • Income must generally be at or below $135,300.

  • 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: 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 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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