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NHHFA Downpayment & Closing Cost Help

Quick answer

NHHFA Downpayment & Closing Cost Help is a New Hampshire down payment assistance program from New Hampshire Housing Finance Authority. It provides Up to $15,000 as a deferred-payment loan. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

Who qualifies for NHHFA Downpayment & Closing Cost Help?

Homebuyer education required. Secured by a 0% second mortgage with no periodic payments and a 30-year term.

DetailProgram terms
AssistanceUp to $15,000
TypeDeferred-payment loan
Minimum creditNot published on the program page
First-time buyerSee official page
Income limitsFlex Plus: incomes up to $184,500.

How does NHHFA Downpayment & Closing Cost Help work with an FHA loan?

New Hampshire's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down. On a $250,000 home, the minimum FHA down payment is $8,750 — assistance of up to $15,000 could cover it and part of closing costs, subject to program rules.

Where do I confirm current terms?

On the official page: https://www.nhhousing.org/homeownership/build-your-team/mortgage-programs/. Programs can pause when funds run out, so confirm availability with a participating lender.

“Up to $15,000 in downpayment and closing cost help” — New Hampshire Housing Finance Authority

← All New Hampshire down payment assistance programs

Frequently asked questions

Up to $15,000, according to New Hampshire Housing Finance Authority.

It's a deferred loan — no monthly payments, repaid when you sell, refinance or pay off the first mortgage.

Flex Plus: incomes up to $184,500.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.