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New Hampshire 1st Generation Homebuyer (1stGenHomeNH)

New Hampshire Housing offers 1st Generation Homebuyer (1stGenHomeNH) to home buyers in New Hampshire: up to $10,000, as a deferred loan.

Amount
$10,000 at most
Help type
Loan with deferred payments
Only first-time buyers
No

You pay nothing for up to 30 years on this deferred loan, a 0% second mortgage. The full amount is due if you sell, move out or file for bankruptcy. It is also due if you give the home away, or pay off or refinance the main home loan.

With a deferred loan, you pay nothing each month. But the full amount comes due when you sell or refinance, or once the first mortgage is paid off.

Which buyers can get New Hampshire 1st Generation Homebuyer (1stGenHomeNH)?

  • You must be a first-generation homebuyer.
  • It matches the main New Hampshire Housing home loan you use, and it's $184,500 at most.
  • Being a first-time buyer isn't required.

Your county and household size set the exact income limit, which you'll find on the income chart from the agency. Use our HUD income limits tool to see the median income in your area.

Applying for New Hampshire 1st Generation Homebuyer (1stGenHomeNH)

  1. Apply through one of the approved lenders, since New Hampshire Housing sends this help through them; ask for it with your home loan.
  2. That lender checks the home, your credit and your income against the program's rules, then sets the money aside on your behalf.
  3. This money arrives at closing and goes toward the down payment and your closing costs.

New Hampshire Housing's page for 1st Generation Homebuyer (1stGenHomeNH) has the full rules and says whether applications are open.

Check New Hampshire 1st Generation Homebuyer (1stGenHomeNH) with a lender

Tell us where you're buying and a lender that works with New Hampshire's programs can tell you whether New Hampshire 1st Generation Homebuyer (1stGenHomeNH) fits you, and what you could combine with it.

Call 866-602-7460

Prefer not to call? Share your details and the lender will contact you.

When you send this request, you agree that one mortgage lender who works with these programs may contact you by email, phone or text, including by automated means, about this request. Agreeing is not a condition of any purchase. We are an independent guide, not a lender or a government agency; only that one lender gets your details, and it may pay us for the introduction. See our about page and privacy notice.

New Hampshire's other first-time buyer programs

Every New Hampshire first-time home buyer program · Down payment assistance in every state