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Get Matched Free →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.
Top Homebuyer 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 → |
| 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 → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | 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 → |
| NH Capital Region Habitat for Humanity | Zero-Interest Loan | Affordable home purchase with 0% interest mortgage | No | View → |
| 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:
- Forgivable Loan
- Amount:
- Up to $10,000
- First-time only:
- Yes
- 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:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- 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
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with 0% interest mortgage
- First-time only:
- No
- 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
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.