Increase your buying power in New Hampshire
15 homebuyer assistance programs in New Hampshire put grants, forgivable loans and special mortgages toward your down payment and closing costs, so your budget goes further. Add creative financing like seller credits and rate buydowns, and it stretches even more.
What 15 programs tell us about buying in New Hampshire
NH Housing is the backbone
6 New Hampshire Housing programs offer $10,000 to $15,000 in cash assistance at 0%, with no payments for 30 years unless you sell or refinance.
A credit union stands out
Bellwether Community Credit Union offers grants of up to $25,000 through its Equity Builder and Housing Our Workforce programs, forgiven after five years.
Regional programs outnumber local ones
20 multi-state programs serve New Hampshire, including FHLBank Boston’s Lift Up (up to $50,000) and Twin Pines Housing Trust (up to $80,000).
How the help arrives · 15 programs
Award sizes · grants and loans with a dollar cap
Your award depends on income, price and location.
Who runs them
11 programs are available statewide. 4 are limited to a city, county or region, so the address you buy at changes what you can get.
More programs, more buying power. Most buyers qualify for more than one. The Wallet Wizard checks income limits, price caps and location rules across all 15 New Hampshire programs and 20 multi-state programs at once, and shows where creative financing like seller credits can stack on top.
Check my eligibilityPrograms to know in New Hampshire
A few of the 15 programs we track, chosen for reach, award size and terms. Amounts are program maximums; what you receive depends on income, price and location.
Home First Program
New Hampshire HousingUp to $15,000 toward down payment and closing costs for first-time buyers within program income limits.
Home Flex Plus
New Hampshire HousingUp to $15,000 at 0% for down payment and closing costs, with household income up to $176,200.
Equity Builder Program Grants
Bellwether Community Credit UnionUp to $25,000 for down payment and closing costs, for households at or below 80% of area median income.
Housing Our Workforce Grants
Bellwether Community Credit UnionThe lesser of $25,000 or 10% of the price, for households up to 120% of area median income.
Your Turn Homebuyer Assistance
New Hampshire Community Loan FundUp to $35,000 for down payment and closing costs.
Home Town Program
City of PortsmouthUp to $65,000 at 0% for first-time buyers up to 120% of area median income.
20 multi-state programs also serve New Hampshire
Offered by banks, credit unions and Federal Home Loan Banks in several states at once. Most are tied to that lender's own mortgage, so the lender you choose decides whether you can use them. The Wallet Wizard shows which ones you can pair.
These are 4 of the 20 multi-state programs open to New Hampshire buyers. See which ones you qualify for
See how much more home you can afford in New Hampshire
- 1Answer a few questions in the Wallet WizardWhere you want to buy, household size, income range, job and military status.
- 2Get matched against every program we trackIncome limits, price caps, location rules and repayment terms, checked for you.
- 3Work with a pro who knows creative financingAgents and loan officers on Homebuyer Wallet see the same matches you do, and can layer in seller credits, lender credits and rate buydowns.
Every New Hampshire program, matched to your buyer in seconds
Homebuyer Wallet gives professionals the full program record: income tables, price caps, approved lenders, provider contacts and application steps. Close the deals that stall on cash to close.
New Hampshire homebuyer assistance FAQ
How much down payment assistance can I get in New Hampshire?
It depends on where you buy and your household income. Among the 13 New Hampshire programs we track that publish a dollar cap, the median award is $15,000. Others pay a percentage of the price or loan. The Wallet Wizard shows the amounts you could get for the home you want.
How do these programs increase my buying power?
Assistance covers part of your down payment or closing costs, or lowers your rate, so less of your own cash goes in upfront. The same savings and income can then support a higher purchase price or a lower monthly payment. Many buyers stack a statewide program with a local one to stretch further.
Can I combine these programs with seller credits or other creative financing?
Usually, yes. Seller credits toward closing costs, lender credits and rate buydowns can often be used alongside assistance programs, within your loan’s limits. The Wallet Wizard shows what fits together, and Homebuyer Wallet agents and loan officers can help you structure it.
Do I have to pay the assistance back?
5 of the 15 active programs (33%) are grants or forgivable loans: you repay nothing if you keep the home as your primary residence for the required period. 8 more are deferred or repayable second loans, due when you sell, refinance or move out, or paid monthly.
Do I need to be a first-time homebuyer?
Not always. Many New Hampshire programs are open to repeat buyers, and most first-time rules count anyone who has not owned a home in the past three years. The Wallet Wizard checks each program’s ownership rule for you.
Can I combine more than one program?
Sometimes. New Hampshire has 11 programs available statewide and 4 limited to a city, county or region. Many local programs are built to layer on top of a statewide loan; others prohibit stacking. Your lender confirms what combines with your first mortgage.
How do I find out which programs I qualify for?
Answer a few questions in the Wallet Wizard: where you want to buy, household size, income range and job. It checks income limits, price caps, location rules and funding status across every program we track in New Hampshire, plus multi-state and national programs, and shows the ones that fit.
How current is this information?
Our team reviews every program against the provider’s own materials on a rolling basis. Funding opens and closes often; the Wallet Wizard shows each program’s current status.
Explore another state
All Top ProgramsSource: the Homebuyer Wallet database of 2,000+ Community Home Investment Programs (CHIPs). Each program is reviewed by our team against the provider’s own website and documents. Award amounts are program maximums.