Cash assistance for down payment and closing costs, provided as a second mortgage that is forgiven in full after 4 years. Available tiers include $5,000, $10,000, and $15,000 (and higher tiers at times), based on income and fund availability.

Paired with: FHA, VA, RD

• Primary residence only
• Income: Household income limits apply; see New Hampshire Housing schedule.
• Homebuyer education required

Government-insured first mortgage (FHA/VA/USDA-RD). May be used for purchase or refinance of a primary residence.

Source: www.nhhfa.org

Cash assistance for down payment and closing costs as a forgivable second mortgage, paired with a conventional Home Preferred first mortgage.

Paired with: Conventional

• Primary residence only
• Income: Home Preferred available to borrowers below 80% AMI with reduced MI pricing; broader Home Preferred tiers also available. See New Hampshire Housing schedule.
• Homebuyer education required

Conventional financing path for eligible borrowers; reduced mortgage-insurance pricing for lower-income buyers.

Source: www.nhhfa.org

Additional $10,000 in down payment and closing cost assistance for eligible first-generation homebuyers, stacked on top of the Plus cash assistance.

• First-time homebuyer: Required
• Primary residence only
• Income: Household income limits apply.
• Homebuyer education required

First-generation means the borrower, their parents, and grandparents have not owned a home (per program definition). Subject to funding availability - confirm current status with New Hampshire Housing.

Source: www.nhhfa.org

Up to $10,000 conditional grant for down payment, closing costs, interest-rate buy-down, or purchase price, for first-time homebuyers purchasing within Nashua.

Household income limited to 80% of Nashua area median income. HUD HOME-funded; affordability/residency conditions apply.

Source: www.nashuanh.gov