Down payment assistance

Down payment assistance in New Hampshire

1 program can help buyers in New Hampshire with a down payment and closing costs. Most are for first-time buyers with moderate incomes and are used with a participating lender.

Check which programs fit your situationDown payment assistance finder

NH Housing Cash Assistance

Open · Deferred loan

$5,000, $10,000 or $15,000

A second mortgage at 0% interest with no periodic payments and a 30-year term, paired with an NH Housing first mortgage. Since August 2024 it is non-forgivable: it is due in full on sale, refinance, bankruptcy, when the home is no longer the primary residence, or at 30 years.

Who qualifies: Must finance through an NH Housing mortgage program with an approved lender; the bond-financed First/First Plus program is for first-time buyers. Income limits vary by program. Homebuyer education available through NH Housing.

New Hampshire Housing · Agency website → · Checked 2026-09-30

How assistance usually works

Most programs are a second loan with no monthly payment that is forgiven over time or repaid when you sell or refinance, and some are grants. You usually need a program first mortgage from a participating lender, a homebuyer education course and income under the program’s limit. Apply before you make offers, so your pre-approval reflects the help.

More for New Hampshire

New Hampshire closing costs New Hampshire property taxes Where can I afford to buy in New Hampshire?Down payment timeline

Programs change often; confirm the details with the agency.