See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 5, 2026
Homebuyer Programs in Concord, NH (2026)
Concord is New Hampshire's state capital, located in Merrimack County along the Merrimack River, with a population of about 45,000 and a median home price around $400,000. Concord offers its own city-funded down payment assistance through the House Concord program, providing up to $10,000 in forgivable loans for first-time buyers purchasing homes priced at or below $332,000. Additionally, New Hampshire Housing provides up to $15,000 in forgivable cash assistance through the Home Flex Plus and Home Preferred Plus programs, and the First and First Plus bond program offers rate-advantaged mortgages with up to $15,000 in deferred assistance. The Home Start Homebuyer Tax Credit can save qualifying buyers up to $2,000 per year in federal taxes. Concord is also designated as a targeted community for NH Housing programs. NH Capital Region Habitat for Humanity offers affordable homeownership with zero-interest mortgages for qualifying families in the greater Concord area. By combining the House Concord grant with state programs, eligible buyers could access over $25,000 in combined assistance.
City Programs in Concord
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| House Concord Down Payment Assistance Program | Forgivable Loan | Up to $10,000 | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $10,000
- First-time only:
- Yes
State Programs in New Hampshire
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| 1st Gen Home NH | Deferred Loan | $10,000 | Yes | View → |
| NH Housing Community Heroes Initiative | Grant | $3,000 closing cost credit | Yes | View → |
| NH Housing First and First Plus | Deferred Loan | Up to $15,000 ($5,000, $10,000, or $15,000) | Yes | View → |
| NH Housing Home Flex Plus with Cash Assistance | Forgivable Loan | Up to $15,000 ($5,000, $10,000, or $15,000) | No | View → |
| NH Housing Home Preferred Plus with Cash Assistance | Forgivable Loan | Up to $15,000 ($5,000, $10,000, or $15,000) | No | View → |
| NH Housing Home Start Homebuyer Tax Credit (MCC) | Grant | Up to $2,000 per year in federal tax credits | Yes | View → |
- Type:
- Deferred Loan
- Amount:
- $10,000
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- $3,000 closing cost credit
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to $15,000 ($5,000, $10,000, or $15,000)
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 ($5,000, $10,000, or $15,000)
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 ($5,000, $10,000, or $15,000)
- First-time only:
- No
- Type:
- Grant
- Amount:
- Up to $2,000 per year in federal tax credits
- First-time only:
- Yes
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| NH Capital Region Habitat for Humanity | Zero-Interest Loan | Affordable home purchase with 0% interest mortgage | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with 0% interest mortgage
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. The House Concord program requires household income at or below 80% of area median income (AMI) and a purchase price at or below $332,000 for existing homes or $350,000 for new construction. NH Housing programs allow incomes up to $176,200. Contact the City of Concord Business and Neighborhood Services Division for details.
Step 2: Complete homebuyer education. An 8-hour HUD-certified homebuyer education workshop is required for both the House Concord program and NH Housing cash assistance. In the Concord area, courses are available through HOMEteam (866-701-9097), a collaborative program between CATCH Neighborhood Housing and NeighborWorks Southern New Hampshire. CATCH can also be reached directly at (603) 225-8835.
Step 3: Apply for the House Concord grant. Contact the City of Concord Business and Neighborhood Services Division to apply for up to $10,000 in forgivable loan assistance. You must contribute a minimum of $1,000 toward the purchase price from your own funds.
Step 4: Contact an NH Housing Approved Lender. They will help you determine which NH Housing mortgage product fits best, whether Home Flex Plus (FHA/VA/USDA), Home Preferred Plus (conventional), or First and First Plus (bond-financed), and pair it with up to $15,000 in cash assistance.
Step 5: Explore the Home Start tax credit. Your lender can also help you reserve the Home Start Homebuyer Tax Credit (MCC) for up to $2,000 per year in federal tax savings. As a targeted community, Concord buyers may have additional eligibility advantages.
Step 6: Find a home in Concord. For the House Concord program, the home must be within city limits and priced at or below $332,000 (existing) or $350,000 (new construction). Work with your real estate agent to find a qualifying property.
Step 7: Close on your home. Your lender will coordinate the NH Housing cash assistance and tax credit reservation. The House Concord forgivable loan will be applied at closing.
Frequently Asked Questions
How much down payment assistance can I get in Concord, NH?+−
Do I have to be a first-time homebuyer to get assistance in Concord?+−
What is the maximum home price for the House Concord program?+−
What homebuyer education is required in Concord?+−
What are estimated closing costs in Concord, NH?+−
Is Concord a targeted community for NH Housing programs?+−
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