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FHA loans in Londonderry, NH

Quick answer

The 2026 FHA loan limit in Londonderry, NH (Rockingham County) is $962,550 for a single-family home, enough for a purchase price up to about $997,000 with 3.5% down. On the $433,100 median home value, that down payment is about $15,159 and the estimated payment is $3,820/month at 7.18%, which needs roughly $164,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $113,109; value-to-income ratio 3.83. Londonderry ranks 3 by home value and 12 by population among 18 places in our NH dataset.

What does an FHA loan cost on a typical Londonderry home?

ItemLondonderry
Median home value (Census ACS)$433,100
New Hampshire median home value$367,200
Down payment (3.5%)$15,159
Loan incl. 1.75% upfront MIP$425,255
Estimated monthly payment (PITI + MI)$3,820
Income needed (28% / 36%)$164,000 / $128,000
Rockingham County 2026 FHA limit (1 unit)$962,550
Max purchase price at the limit$997,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes New Hampshire's 1.77% effective property tax rate (Census ACS), $1,300/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Londonderry?

Londonderry is in Rockingham County, a designated high-cost area, where HUD's 2026 one-unit FHA limit is $962,550. With the minimum 3.5% down, that caps the purchase price at about $997,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $962,550).

The Londonderry median home value of $433,100 is 18% above the New Hampshire median, and within what the county limit supports.

Which down payment assistance programs can Londonderry buyers use?

FHA loans in nearby cities

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FHA loan FAQs for Londonderry

Londonderry is in Rockingham County, where HUD's 2026 FHA limit for a one-unit home is $962,550. With 3.5% down, that supports a purchase price up to about $997,000.

3.5% of $433,100 is about $15,159 with a 580+ credit score (10%, or $43,310, with a 500–579 score), plus closing costs.

At the $433,100 median value (above the New Hampshire median of $367,200), the estimated payment of $3,820/month at 7.18% needs about $164,000 a year under the 28% housing guideline, or $128,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

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.