New Hampshire Cash Assistance Program

How is New Hampshire Cash Assistance Program paid back?

A deferred loan: a second mortgage at 0%, with no payments needed over a span of up to 30 years. All of it must be repaid if you refinance or pay off your main home loan. The same is true if you sell the home, give it to someone else, move out or file for bankruptcy.

With a deferred loan there's no monthly cost, but the full amount falls due if you sell, refinance or finish paying the first mortgage.

Who qualifies for New Hampshire Cash Assistance Program?

• Your income can be as high as $184,500, though some programs set lower limits.
• Being a first-time buyer isn't required.
• New Hampshire Housing's lineup has three mortgage products; this help pairs with one.

Your county and household size set most of the limits. Check our HUD income limits tool to see your area's median income and how your household compares.

How to apply for New Hampshire Cash Assistance Program

1. With your home loan, you apply through an approved lender; New Hampshire Housing uses that lender to pay this help out.
2. The lender reviews your credit, income and the home under the program's rules, and it sets aside the money for you.
3. At closing, the money goes toward your closing costs and down payment.

Check New Hampshire Housing's page for Cash Assistance Program for the full rules and to find out if it's taking applications.

More New Hampshire programs for first-time buyers

• New Hampshire 1st Generation Homebuyer (1stGenHomeNH):

  Deferred loan of up to $10,000.

Every New Hampshire first-time buyer program · Down payment help in all states