FHA Loans in New Hampshire
FHA loans are one of the most popular mortgage programs in New Hampshire for first-time homebuyers and those with less-than-perfect credit. With a minimum 3.5% down payment and flexible qualifying criteria, FHA loans open the door to homeownership for thousands of New Hampshire families every year.
Get FHA Pre-Approval in New Hampshire
Your Loan Officer will contact you within 24 hours to discuss your fha loans options in New Hampshire.
Benefits of FHA Loans in New Hampshire
- 3.5% minimum down payment (with 580+ credit score)
- Credit scores as low as 500 accepted (10% down required)
- Competitive interest rates
- Seller concessions up to 6%
- Gift funds allowed for down payment
FHA Loans Requirements in New Hampshire
- Minimum 580 credit score for 3.5% down
- Debt-to-income ratio typically under 57%
- Property must be primary residence
- FHA-approved lender required
- Mortgage insurance premium (MIP) required
Requirements vary by lender. Contact Your for your specific situation in New Hampshire.
FHA Loans FAQs — New Hampshire
What is the minimum credit score for an FHA loan in New Hampshire?
The FHA requires a minimum 580 credit score for the 3.5% down payment option. Borrowers with scores between 500–579 can still qualify with a 10% down payment. Lenders in New Hampshire may have their own overlay requirements.
How much is the FHA mortgage insurance in New Hampshire?
FHA loans require an upfront MIP of 1.75% of the loan amount, plus an annual MIP that ranges from 0.15% to 0.75% depending on your loan amount and term. For most New Hampshire buyers with a 30-year loan, the annual MIP is 0.55%.
Can I use gift funds for my FHA down payment in New Hampshire?
Yes! FHA loans allow 100% of the down payment to come from gift funds from an acceptable donor such as a family member. This makes FHA loans especially attractive for New Hampshire first-time homebuyers.
What are the FHA loan limits in New Hampshire?
FHA loan limits vary by county in New Hampshire. For most New Hampshire counties, the 2024 FHA loan limit for a single-family home is $498,257 (the national baseline), though high-cost areas can go significantly higher. Contact your loan officer for the exact limit in your New Hampshire county.
FHA Loans Available in All 50 States
Your Loan Officer is licensed to help borrowers across the country. Select your state:
About Your Loan Officer
Your Loan Officer is a licensed mortgage loan officer with experience helping borrowers across the country secure the right loan program. Specializing in fha loans and known for fast closings and clear communication.
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