New Hampshire Mortgage Guides 2026
This complete New Hampshire mortgage guide covers 2026 FHA loan limits across all 10 counties, including the higher Rockingham, Strafford, Hillsborough and Carroll limits, New Hampshire Housing loans and down payment assistance, USDA income limits for the seven areas above the base, VA guidance including Pease Air National Guard Base, and a closing cost breakdown built on the state’s transfer tax and recording fees — in one place.
Everything You Need for a New Hampshire Home Purchase
Six in-depth guides covering every stage of buying a home in New Hampshire — from choosing a loan program to knowing exactly what you will pay at the closing table.
New Hampshire Mortgage Guide
FHA and conforming loan limits county by county, a side-by-side loan program comparison, New Hampshire property taxes, the state’s transfer tax, and how its housing markets shape your financing options.
Read guide →New Hampshire First-Time Home Buyer Guide
New Hampshire Housing’s Home First program and down payment assistance, the 1stGenHomeNH pilot, community-by-community income and purchase price limits, and the targeted communities that waive the first-time buyer rule.
Read guide →New Hampshire FHA Loan Requirements
2026 FHA limits for all 10 New Hampshire counties, the higher Carroll, Hillsborough, Rockingham and Strafford limits, one-to-four unit figures, HUD’s credit and down payment rules, and how FHA mortgage insurance works.
Read guide →New Hampshire VA Loan Requirements
VA entitlement and why full entitlement carries no county loan cap, the 2026 funding fee tables and exemptions, Pease Air National Guard Base, and how VA pairs with NH Housing programs.
Read guide →New Hampshire USDA Loans
FY2026 USDA income limits including the seven New Hampshire areas above the base limit, how to check an address for eligibility, guarantee fees, and how zero-down USDA compares with FHA.
Read guide →New Hampshire Closing Costs Guide
New Hampshire’s transfer tax and how buyer and seller each pay it, the statewide recording fees and surcharge, how title insurance rates are filed, and a fee-by-fee breakdown for buyers and sellers.
Read guide →Key New Hampshire Mortgage Guide Facts
FHA Loan Limits (2026)
- 6 of 10 counties: $541,287
- Carroll County: $546,250
- Hillsborough County: $589,950
- Rockingham and Strafford: $962,550
- HUD FHA mortgage limits lookup
Down Payment Assistance
- NH Housing assistance: up to $15,000
- Second mortgage at 0%, no periodic payments
- 30-year term; due on sale or refinance
- Homebuyer education required
- New Hampshire Housing
Property Taxes
- Est. effective rate: 1.66%
- Median annual real estate tax bill: $6,667
- Median owner-occupied home value: $402,500
- Census ACS 2020–2024 5-year table B25103
Closing Cost Highlights
- Transfer tax: $0.75 per $100 each for buyer and seller
- Recording: $10 first page, $4 each additional
- Surcharge per deed and mortgage: $25
- RSA 78-B:4
Buying or Refinancing in New Hampshire?
New Hampshire’s loan limits range from the $541,287 national floor to $962,550 in Rockingham and Strafford Counties, NH Housing sets Home First income and purchase price limits community by community, and the transfer tax falls on buyer and seller alike. Knowing which of those apply to you changes what you can afford.
- ✓ Confirm current programs and limits at New Hampshire Housing
- ✓ Check your town’s Home First limits and whether it is a targeted community
- ✓ Budget for your share of the transfer tax at $0.75 per $100
- ✓ Compare NH Housing assistance against a straight FHA or USDA loan
Coming soon · No obligation · Educational first
New Hampshire Advisor Network — Coming Soon
We currently connect buyers with licensed mortgage advisors in Florida and Utah. New Hampshire is on our expansion list. In the meantime, our New Hampshire guides and the official program links above have everything you need to research your purchase.
Join the New Hampshire Waitlist