New Hampshire FHA Loans at a Glance: just 3.5% down · FICO from 580 · Seacoast limit $962,550 · pairs with NH Housing DPA up to $15,000 · no income tax · NMLS #1826020
New Hampshire FHA Home Loans · Direct Lender Since 1998

FHA Loans New Hampshire

Buy a New Hampshire home with as little as 3.5% down and a credit score from 580. Along the Boston-commuter Seacoast, FHA finances up to $962,550 – and with no state income tax and NH Housing down-payment help up to $15,000, ownership is within reach statewide.

  • 3.5% down with a 580+ FICO (10% down from 500-579)
  • Pair NH Housing – 4% Home Flex Plus help, or up to $15,000 via Home First
  • Rockingham & Strafford (Seacoast) $962,550; most of NH $541,287
  • No state income tax – a Boston-commuter advantage
  • Gift funds welcome; seller can pay up to 6% of closing costs

Start My New Hampshire FHA Application →

Get Pre-Approved for a New Hampshire FHA Loan

Fast, friendly, no obligation.

Get Your Free Quote! No Credit Pull Required.

★ 3.5% down★ 580 credit OK★ NH Housing DPA★ No income tax★ First-time friendly★ Serving NH since 1998

Why an FHA loan works in New Hampshire

An FHA loan is a government-insured mortgage that helps New Hampshire buyers qualify with flexible credit, a low down payment and higher debt-to-income than conventional financing. Along the high-cost Seacoast, FHA’s elevated limit keeps ownership possible.

New Hampshire pairs a Boston-commuter Seacoast with affordable inland towns and no state income tax. Whether you are buying your first home in Manchester or a place near Bedford’s top schools, an FHA loan stacked with NH Housing help gets you to closing with less cash down. Start your application →

2026 New Hampshire FHA loan limits by county

FHA loan limits are set by county. The Boston-MSA Seacoast counties run high; the rest of New Hampshire is near the floor:

Rockingham & Strafford – Seacoast (1-unit)$962,550 – the state’s highest (Boston-Cambridge-Newton MSA)
Hillsborough – Nashua/Manchester (1-unit)$589,950
Carroll – Lakes/Mt. Washington (1-unit)$546,250
Standard NH counties (1-unit)$541,287 (Merrimack, Belknap, Grafton, Cheshire, Sullivan, Coos)
2-4 unit propertiesHigher limits apply – ask us for your county’s exact figures

2026 one-unit FHA limits set annually by HUD; 2-4 unit limits are higher. We confirm the exact limit for your New Hampshire county before you write an offer.

Ready to see how much home you can buy in New Hampshire with 3.5% down? Get pre-approved today.
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New Hampshire down payment assistance you can pair with FHA

Your FHA loan pairs with New Hampshire Housing, whose programs make a low-cash purchase easy:

Home Flex Plus

Up to 4% combined down-payment and closing-cost assistance that does not have to be repaid, on an FHA/VA/USDA loan, with income limits up to about $184,500.

Home First / Home First Plus

A rate-advantaged loan with cash assistance of $5,000, $10,000 or $15,000, secured by a 0% second with no payments, due on sale/refinance or at 30 years.

Who qualifies

First-time or eligible buyers within income and price limits, plus a homebuyer education course.

New Hampshire Housing first mortgage

The assistance pairs with an NH Housing FHA first mortgage – we set up the combination.

Gift funds & seller credits

Combine gift funds and up to 6% in seller credits with FHA and NH Housing help to cut cash to close.

We match the program

We line up the biggest assistance you qualify for.

Ask about NH Housing – up to $15,000 in down-payment help.
See If You Qualify

Assistance programs have income, price and funding limits, are first-come while funds last, and are subject to change and eligibility. We confirm what you qualify for.

First-time buyer, family, or 55+ mover – we have a New Hampshire FHA program for you.
Start My Application

What it takes to qualify for a New Hampshire FHA loan

Down paymentAs little as 3.5% down if your score is 580 or higher; 10% down applies from 500-579
CreditA 580 minimum for the low-down program, and hands-on help for buyers still rebuilding
MIP (mortgage insurance)A one-time 1.75% upfront premium rolled into the loan, plus a small monthly premium (about 0.15%-0.55%)
DTI flexibilityRoom up to roughly 43%-50% of income when you have compensating factors or automated approval
Where the down payment can come fromSavings, a family gift, or an eligible down-payment-assistance program
Help from the sellerSellers may cover up to 6% of your closing costs on an FHA purchase
Eligible propertiesA New Hampshire single-family home, an FHA-approved condo or townhome, or a 2-4 unit you occupy
How you use itIt must be your primary residence – the home you live in
Adding a co-borrowerA non-occupant co-borrower such as a parent can be added to help you qualify
Buy a New Hampshire home with an FHA loan - apply nowYour New Hampshire home is closer than you think →

Why buyers choose FHA in New Hampshire

  • Put down just 3.5% and keep your savings intact
  • Qualify from a 580 score with practical, human underwriting
  • Cover the down payment with gifts or NH Housing help
  • Finance a house, condo or an owner-occupied 2-4 unit
  • Lower your rate down the road with an FHA Streamline

Get My FHA Pre-Approval →

New Hampshire FHA payment & affordability calculators

Estimate your New Hampshire FHA payment, cash to close and price range below. These tools are for planning only; apply to get your real numbers.

1. FHA monthly payment

Estimate your full monthly payment including FHA mortgage insurance.

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Total monthly payment
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Principal, interest & MIP

2. Down payment & cash to close

See your down payment and estimated cash after seller credits.

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Estimated cash to close
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Down payment amount

3. How much home can I afford?

Estimate your FHA price range from income and monthly debts.

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Estimated home price
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Max housing payment

4. FHA loan amount + MIP

See your base loan plus the 1.75% upfront MIP financed in.

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Total financed (with UFMIP)
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Base loan / 1.75% UFMIP

Estimates only and not a commitment to lend. FHA charges 1.75% upfront MIP (financed) plus a monthly annual premium (~0.55% here for illustration). Actual figures depend on your property, credit and qualification.

Stack NH Housing help with FHA - up to $15,000.
See If I Qualify

Top New Hampshire school districts & family towns

Great schools support both your kids and your resale value. Here are some of the top-rated New Hampshire districts and towns:

Bedford

One of New Hampshire's top districts near Manchester.

Windham

Highly rated, sought-after southern-tier schools.

Hollis-Brookline

Top-regarded district in the Nashua area.

Bow

Well-regarded schools near Concord.

Hanover (Dresden)

Elite Upper Valley schools anchored by Dartmouth.

Portsmouth

Strong Seacoast schools in a vibrant city.

New Hampshire 55+ & active-adult communities

An FHA loan can buy a home in a New Hampshire 55+ community (any condo must be FHA-approved). Some of the most popular:

Del Webb at Rockingham (Chester)

Popular active-adult community in the southern tier.

Riverwoods (Exeter/Durham)

Well-known continuing-care communities on the Seacoast.

Rosewood (Bedford)

Active-adult living near Manchester.

Active-adult neighborhoods (Rochester/Dover)

55+ options in the Seacoast belt.

Villas communities (Nashua area)

Maintenance-provided homes for downsizers.

Condominium communities (statewide)

FHA-approved 55+ condos with low upkeep.

FHA loans across New Hampshire - cities we serve

We have financed FHA purchases and refinances across New Hampshire since 1998. Here are some of the markets we serve:

  • Manchester
  • Nashua
  • Concord
  • Derry
  • Dover
  • Rochester
  • Salem
  • Merrimack
  • Portsmouth
  • Keene
  • Londonderry
  • Hudson
  • Bedford
  • Exeter
  • Laconia
  • Claremont
  • Somersworth
  • Hampton
  • Windham
  • Milford

Do not see your city? Start your application → - we lend statewide across New Hampshire.

Ready to buy in New Hampshire? Start here

From a first condo to a move-up house in a top New Hampshire school zone or a 55+ community, we pair you with the right FHA program and a same-week pre-approval - 3.5% down.

  • Pre-approval in days, not weeks
  • Stack New Hampshire assistance and family gift funds
  • A direct FHA lender serving buyers since 1998

Apply for My New Hampshire FHA Loan →

Apply for your New Hampshire FHA home loanGet pre-approved with 3.5% down →

New Hampshire 2027 housing & FHA outlook

A few New Hampshire trends worth watching as you plan a 2027 purchase:

No income tax + Boston arbitrage

Rockingham and Strafford buyers commute to Massachusetts jobs while dodging income tax, driving those counties to a $962,550 limit.

Seacoast demand stays strong

The tax advantage and Massachusetts spillover, plus chronic low inventory, keep Seacoast prices firm.

Manchester-Nashua steadiness

A tech and healthcare base underpins reliable southern-tier demand.

Northern NH affordability

Coos and Grafton counties remain floor-bound and first-time-friendly.

Outlook only, not a guarantee or financial advice. Market conditions change; we give you current, personalized numbers when you apply.

Your New Hampshire FHA loan, step by step

Start your pre-approval

A few minutes online tells you your price range, rate and 3.5%-down payment.

Shop with an edge

Make offers in the New Hampshire town and school zone you want, backed by a real pre-approval.

Appraisal & approval

We manage the FHA appraisal and underwriting, staying flexible on credit and gift funds.

Get your keys

Close on your New Hampshire home and start building equity from day one.

FHA loan programs available in New Hampshire

Buy with FHA

Purchase a New Hampshire house, condo or owner-occupied 2-4 unit for as little as 3.5% down.

Streamline refinance

Trim your rate or payment on an existing FHA loan with light docs and usually no appraisal.

203(k) rehab loan

Finance the purchase and the renovations of a fixer-upper in a single FHA loan.

Cash-out refinance

Pull New Hampshire equity out, up to FHA limits, for improvements or other needs.

Condo financing

FHA loans for units in approved New Hampshire condo projects, or single-unit spot approval.

Stack down-payment help

Layer New Hampshire assistance and gift funds on your FHA loan to lower your cash to close.

Frequently asked New Hampshire FHA questions

What are the 2026 FHA loan limits in New Hampshire?

The Boston-MSA Seacoast counties - Rockingham and Strafford - are the state's highest at $962,550 for a one-unit home. Hillsborough (Nashua/Manchester) is $589,950, Carroll is $546,250, and the remaining counties are at the $541,287 floor.

How does NH Housing down-payment help work with FHA?

New Hampshire Housing offers Home Flex Plus (up to 4% in non-repayable down-payment and closing-cost help) and Home First (cash assistance of $5,000, $10,000 or $15,000 secured by a 0% second). Both pair with an NH Housing FHA loan within income limits.

What is the minimum down payment on a New Hampshire FHA loan?

3.5% of the price when your score is 580+, or 10% between 500 and 579. Gift funds and approved down-payment assistance can cover much of it.

Do FHA condos have to be approved in New Hampshire?

Yes - the condo project needs to be FHA-approved, though we can pursue single-unit spot approval on many buildings. We verify your specific property.

Is FHA good for a first-time buyer in New Hampshire?

It is often the best fit - low 3.5% down, a 580 credit floor, gift funds allowed, and it stacks with New Hampshire Housing assistance for even less cash to close.

Are you an actual FHA lender?

Yes - CambridgeHomeLoan.com is a direct lender (NMLS #1826020) that has served homebuyers since 1998, guiding you from application through closing.

Start your New Hampshire FHA loan

A few minutes online gets you pre-approved: 3.5% down, a 580 credit floor, and New Hampshire down-payment help welcome. We have served New Hampshire homebuyers since 1998.

Get Pre-Approved for a New Hampshire FHA Loan

Fast, friendly, no obligation.

Get Your Free Quote! No Credit Pull Required.

Start My Application →

Serving New Hampshire homebuyers Since 1998!
© 2026 CambridgeHomeLoan.com  ·  NMLS #1826020  ·  4830 W Kennedy Blvd, Tampa, FL 33609  ·  (800) 826-5077  ·  Equal Housing Lender  ·  NMLS Consumer Access

Rates, terms, FHA loan limits and program guidelines are for 2026, subject to change, and depend on the property, credit and qualification. Not a commitment to lend. This is not a government agency. Equal Housing Lender.


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