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Down Payment Assistance for Home Buyers in New Hampshire


If you’re a New Hampshire first-time home buyer you may qualify to utilize the $30,806 WISH Grant. 

Not every first-time buyers has saved enough for 20% down. The good news is that you don’t need that much. 

Fastest Growing Cities in New Hampshire

1. Manchester, New Hampshire

Population: 115,644
Median Sale Price: $411,750

2. Nashua, New Hampshire

Population: 91,322
Median Sale Price: $449,500

3. Concord, New Hampshire

Population: 43,976
Median Sale Price: $415,000

4. Dover, New Hampshire

Population: 32,741
Median Sale Price: $492,500

5. Rochester, New Hampshire

Population: 32,492
Median Sale Price: $372,500

6. Salem, New Hampshire

Population: 30,089
Median Sale Price: $775,000

7. Londonderry, New Hampshire

Population: 25,826
Median Sale Price: $525,000

8. Keene, New Hampshire

Population: 23,047
Median Sale Price: $300,000

9. Portsmouth, New Hampshire

Population: 21,956
Median Sale Price: $740,000

10. Goffstown, New Hampshire

Population: 18,577
Median Sale Price: $515,000

Source: The population data was retrieved from the United States Census Bureau for 2021, while the median sale price data was sourced from the Redfin Data Center in January 2024.


Many major cities have at least one down payment assistance program. They’re all likely to have similar eligibility requirements, including that you’ve completed a homeowner education course; use an approved lender; and meet local income limits. Check with your Refined Lending loan officer for other loan terms and conditions.

Zero Down Loan Program

Refined Lending is excited to offer a zero down loan program to qualified buyers. Check out the program highlights below and contact us for full program details!

  • 0% Down payment
  • No city or county geographical restrictions
  • $150,000 income limit
  • 600 min credit score
  • Up to 55% debt to income ratio
  • Available in Every state
  • $0 buyer funds required
  • Up to 5% seller paid closing costs
  • Standard 30 year fixed rates apply


  • Conventional 97: From Freddie Mac or Fannie Mae. 3% down payment and 620 minimum credit score. You can usually stop paying mortgage insurance after a few years, once you’ve built at least 20% equity in your home
  • FHA loan: Backed by the Federal Housing Administration. 3.5% down and a 580 minimum credit score. But you’re typically on the hook for mortgage insurance premiums (MIP) until you refinance to a different type of mortgage, move, or pay off your loan- Find out more here
  • VA loan: Only for eligible veterans and service members, reservists, and National Guard. Zero down payment is required. Minimum credit score varies by lender but often 620. No ongoing mortgage insurance after closing. These are arguably the best mortgages available, so apply if you’re eligible- Check Here
  • USDA loan: For those on low-to-moderate incomes buying in designated rural development areas. Zero down payment required. Credit score requirements vary by lender but often 640. Low mortgage insurance rates

Note that government loan programs (including FHA, VA, and USDA home loans) require you to buy a primary residence. That means you can’t use these loans for a vacation home or investment property.

In addition, most programs let you use gifted money or down payment assistance (DPA) to cover your down payment and closing costs. Depending on your mortgage loan, you could potentially get into a new house with minimal cash out of pocket.

All programs subject to change at anytime without notice. Not a commitment to lend. Client must qualify for program with Refined Lending and the assistance or grant program selected.  * Sources | |

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