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Get Matched Free →Portsmouth HomeTown First-Time Homebuyer Program
Funding status: Active
How much assistance
Varies based on income, assets, and household size (0% interest deferred loans for down payment and closing costs)
Second mortgage at 0% interest with no repayment required for 10 years unless the home is sold or transferred. A third loan at 0% interest does not need to be repaid until you sell or transfer your home.
Eligibility
- Income limits: Must not exceed 80% or 120% of the area median income (AMI) depending on the program tier, based on household size
- First-time buyer required: Yes — Must not have owned a home in the last three years.
- Geographic restrictions: Must be a resident of Portsmouth for at least 2 years, OR have previously resided in Portsmouth for at least 10 years and currently live within 30 miles, OR be a permanent full-time City of Portsmouth employee.
- Homebuyer education required: Yes
How to Apply for Portsmouth HomeTown First-Time Homebuyer Program
Contact Citizens Bank Loan Officer Mary Carlson at (518) 229-8766 or Portsmouth Community Development Director Elise Annunziata at (603) 610-7281. Complete homebuyer training through The Housing Partnership before applying.
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