Down payment assistance in New Hampshire
New Hampshire's primary statewide down payment assistance program, run by New Hampshire Housing. Numbers and eligibility reflect the program's published 2025 guidelines.
Cash Assistance Mortgage Program
Grant (no repayment)- Maximum assistance
- $10,000 cash assistance grant
- Income limit
- Up to $169,500 (statewide)
- Home price limit
- Up to $612,000
- First-time buyer
- Not required
- Eligible loan types
- FHA, VA, USDA, Conventional
- •$10,000 grant - fully forgiven if you stay 4 years.
- •Pairs with the NH Housing first-mortgage products.
How New Hampshire DPA fits into your purchase
Down payment assistance reduces the cash you need at the closing table. New Hampshire's Cash Assistance Mortgage Program pairs with the standard FHA, VA, USDA, or conventional first mortgage from a participating lender; the DPA flows through the same closing.
Two things to budget for: most state DPA requires a homebuyer-education course (typically online, 6-8 hours, ~$75) and you usually have to use a lender on the agency's approved list. The agency keeps the list public on its website.
Common questions
New Hampshire's primary statewide DPA is Cash Assistance Mortgage Program from New Hampshire Housing. $10,000 cash assistance grant. Many New Hampshire cities and counties also run additional DPA layered on top.
No. The Cash Assistance Mortgage Program is open to both first-time and repeat buyers, subject to income and home-price limits.
Yes. Cash Assistance Mortgage Program works with these loan types: FHA, VA, USDA, Conventional. The DPA is layered behind your first mortgage as a separate lien (or grant), and both close together.
No. A grant has no repayment requirement, so it is not counted as debt for DTI purposes.
A grant is yours to keep with no payback obligation.