NH Housing First and First Plus

Administered by: New Hampshire Housing Finance Authority · State · Deferred Loan

Funding status: Active

How much assistance

Up to $15,000 ($5,000, $10,000, or $15,000) (Deferred Loan)

Not forgivable. 0% interest, no monthly payments, 30-year term. Repayment due in full upon sale, refinance, bankruptcy, ceasing to occupy as primary residence, or at end of 30-year term.

Eligibility

  • Income limits: Up to $176,200 household income
  • First-time buyer required: Yes — Must not have owned a home in the past 3 years, unless purchasing in a targeted area or a qualified veteran.
  • Geographic restrictions: Must purchase a single-family primary residence in New Hampshire.
  • Homebuyer education required: No

How to Apply for NH Housing First and First Plus

Step 1: Contact an NH Housing Approved Lender to apply. Bond-financed program offers a rate-advantaged first mortgage paired with optional cash assistance.

Visit program website

Notes

Bond-financed program providing below-market interest rates on the first mortgage. First-time buyer requirement applies unless purchasing in a targeted area or qualified veteran.

Available Statewide In