New Hampshire first-time home buyer programs
New Hampshire Housing lists 2 programs that help buyers in New Hampshire with the down payment or closing costs. Amounts and terms are shown as the agency publishes them.
- Programs from the agency
- 2
- Biggest amount listed
- $15,000
- First-time buyers only
- None of them
- Income caps
- Up to $184,500
Down payment assistance programs in New Hampshire
| Program | Amount | Grant or loan | Income limit | First-time buyers only |
|---|---|---|---|---|
| Cash Assistance Program. With one of New Hampshire Housing's three mortgage products. | Up to $15,000 | Deferred loan: 0% second mortgage with no payments for up to 30 years. You repay all of it if you pay off or refinance your main home loan, sell or give the home to someone else, file for bankruptcy or move out. | Income limit is up to $184,500; some programs have lower limits. | No |
| 1st Generation Homebuyer (1stGenHomeNH). Only for first-generation homebuyers. | Up to $10,000 | Deferred loan: 0% second mortgage with no payments for up to 30 years. You repay all of it if you pay off or refinance your main home loan, sell or give the home to someone else, file for bankruptcy or move out. | Same as the New Hampshire Housing main home loan you use; at most $184,500. Agency income chart | No |
Usually, "first-time buyers only" means you haven't owned a home during the past three years, though every program sets a rule of its own. The name of each program links to a New Hampshire Housing page that says whether applications are open right now. Compare down payment assistance programs across all states, or ask a lender that works with New Hampshire's programs.
How do you repay New Hampshire's programs?
- Deferred loan: nothing to pay each month, but the full amount comes due when you sell, refinance or pay the first mortgage off.
How does your income compare with New Hampshire's caps?
Every program has its own income cap, which the table shows, and the exact chart is on that program's agency page. Use the HUD income limits lookup (FY2026) to find the figure for your county and household size. If a program relies on its own county chart or Freddie Mac's, the result can differ from HUD's number, and the agency's chart decides.
Talk to a lender that works with New Hampshire programs
These programs are paid out through the agency's approved lenders, so the lender is your next step. Tell us where you're buying and a lender that works with New Hampshire's programs can explain which ones fit you.
Rather not call? Send your details and the lender will reach you.
Are you buying near a state border?
Massachusetts, Maine, Vermont or programs for all 50 states plus DC.