All-in cost first, always. Estimate only — not a loan quote or pre-approval.
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New Hampshire Housing Finance Authority's primary conventional first mortgage program (HFA Preferred, sold to Fannie Mae) with a low minimum down payment (3% for 1-unit homes, 5% for 2-4 unit properties) and reduced mortgage insurance for borrowers under 80% Area Median Income (AMI); open to first-time and repeat buyers statewide, subject to an income limit. As of April 1, 2026, refinance eligibility was tightened to purchase transactions and a narrow set of limited cash-out refinances only, per an NH Housing lender notice.
A limited-funding pilot down payment assistance program from NH Housing offering up to $10,000 for eligible 'first-generation' homebuyers (generally, buyers whose parents/guardians never owned a home, or lost a home to foreclosure) purchasing in New Hampshire.
Estimated all-in monthly payment for a home price you have in mind.
Check which down payment assistance programs you likely qualify for.
What actually reaches your account after federal tax, FICA, and your state's own brackets — with local income tax disclosed rather than guessed at.
New Hampshire's transfer tax is split between buyer and seller, so your half on a $574,200 home is $2,153 — but the full closing bill runs $14,355 to $20,097.
Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.