See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 5, 2026
Homebuyer Programs in Hudson, NH (2026)
Hudson is a family-friendly town in southern New Hampshire's Hillsborough County, located just south of Nashua along the Massachusetts border, with a median home price around $500,000. While Hudson does not currently offer a town-funded down payment assistance program, buyers here can take advantage of several strong state-level programs through New Hampshire Housing, including the First and First Plus program offering up to $15,000 in cash assistance, the Home Flex Plus forgivable loan of up to $15,000, and the 1st Gen Home NH program providing $10,000 for first-generation homebuyers. Habitat for Humanity Greater Nashua Manchester also serves Hudson with affordable homeownership opportunities featuring zero-interest mortgages. By combining state and federal programs, eligible buyers in Hudson can potentially access $25,000 or more in down payment and closing cost assistance.
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 |
|---|---|---|---|---|
| Habitat for Humanity Greater Nashua Manchester | 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. Most New Hampshire Housing programs require household income at or below published limits, which are higher in Hillsborough County due to the area's higher median income. You must plan to purchase a primary residence in Hudson.
Step 2: Complete homebuyer education. A HUD-approved homebuyer education course is required for all NH Housing assistance programs. Contact NeighborWorks Southern NH HOMETeam at (866) 701-9097 to register for a course.
Step 3: Connect with an NH Housing-approved lender. NH Housing programs are offered through a network of participating lenders who can help you access the First and First Plus, Home Flex Plus, or Home Preferred Plus programs with up to $15,000 in assistance. Visit the NH Housing website or call (603) 472-8623 for a lender list.
Step 4: Explore additional programs. First-generation homebuyers may qualify for the 1st Gen Home NH program, which offers an additional $10,000 in assistance. Ask your lender about combining programs for maximum benefit.
Step 5: Get pre-approved and find a home. Work with your lender to determine your purchase price range. Hudson's median home price is around $500,000, so factor in program purchase price limits when house hunting.
Step 6: Submit your application and close. Your lender will coordinate the NH Housing program paperwork alongside your mortgage application. Plan for a closing timeline of 30-45 days once your offer is accepted.
Frequently Asked Questions
How much down payment assistance can I get in Hudson?+−
Do I have to be a first-time homebuyer to qualify?+−
What are the income limits for Hudson homebuyer programs?+−
What is the maximum home price I can pay using assistance programs?+−
What homebuyer education is required?+−
Does Hudson have any town-specific homebuyer programs?+−
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