First Home Buyer Programs From NHHFA

Programs For 1st Time Buyers

First time home buyers in New Hampshire have many options available to them for help in purchasing their first residence. In addition to their down payment assistance program, the New Hampshire Housing Finance Authority (NHHFA), provides some other very helpful programs for New Hampshire residents seeking to purchase their first home.


New Hampshire First Time Home Buyer Programs
New Hampshire First Time Home Buyer Programs

Here are some highlights:

Our Mortgage Programs


New Hampshire Housing’s mortgage products offer the same great basic features:

  • 30-year fixed rates with 0 points
  • Low downpayment requirements
  • No hidden fees
  • Financing for condominiums as well as 1-4 family homes
  • Free homebuyer education classes

Beyond these great features, see below for specifics about our two main mortgage products, Home Flex and  Home Preferred , as well as our new Home Start Homebuyer Tax Credit Program.

It’s easy to apply for a New Hampshire Housing mortgage! Simply contact one of our participating lenders to find out how. To qualify for the program, borrowers must meet certain income limits.

For more information on New Hampshire Housing mortgage products, please contact us directly at 1-800-649-0470 or email us.

Funds for Downpayment and Closing Costs

Low or No Private Mortgage Insurance Options

Purchase/Rehabilitation Programs

Voucher Assisted Mortgage Option

Emergency Home Repair Loans

Home Start Homebuyer Tax Credit Program

For complete details on these programs, including contact information and instructions on how to apply, please visit this NHHFA program page.

More NH First Time Buyer Programs

In addition to the above homebuyer assistance offered by NHHFA, there are local housing agencies in various towns, cities and counties throughout the state that provide financial assistance to 1st time property buyers as well. To determine if there any near you, please visit local first time home buyer programs in New Hampshire.