Home Buyer Down Payment Grants for Single Mothers in New Hampshire

Last updated: September 2025

Single moms in New Hampshire can put together real money for a down payment by stacking statewide, city, bank, and nonprofit help. This guide focuses on programs that are open now, how to qualify fast, and what to do when funds run low. Use the direct links and phone numbers below to move the ball today.

If You Only Do 3 Things — Emergency Actions to Take

Get preapproved with an NHHFA-approved lender: Start with [New Hampshire Housing’s mortgage programs], locate an [Approved Lender list], and ask how to reserve the $5, 000/$ 10,000/$15,000 cash assistance right away. Call 1-603-472-8623 to confirm lender participation and rates. (gonewhampshirehousing.com)
Register for a HUD-certified homebuyer class this week: Book a seat through [NHHFA homebuyer seminars], or go straight to regional providers like [HOMEteam] and [The Housing Partnership] to unlock lender-required certificates and extra grants. (gonewhampshirehousing.com)
Stabilize utilities so you don’t lose service during underwriting: Apply the same day for the state [Electric Assistance Program], contact your local [Community Action Agency], and keep 24/7 crisis help handy via [211 NH]. (energy.nh.gov)

Quick Help Box — Numbers and Links to Keep Handy

New Hampshire Housing (NHHFA) Homeownership Team: 1-603-472-8623; start at [NHHFA Mortgage Programs]; check current [income and purchase price limits] before you shop. (gonewhampshirehousing.com)
City of Nashua First-Time Homebuyer Assistance: Use the official [program page], open the [application], and read the [program manual] prior to making an offer. (nashuanh.gov)
USDA Rural Development (VT–NH State Office) for 0% down rural loans: Call 1-603-223-6035, review [USDA 502 Direct loans], and confirm your town on the [USDA VT–NH page]. (rd.usda.gov)
211 NH (statewide resource and crisis line): Dial 2-1-1 or 1-866-444-4211, and visit [211 NH contact] for follow‑up; pair with [Granite United Way contacts] in your region. (211nh.org)
Fair housing and discrimination help (if you face bias while shopping): Reach [NH Commission for Human Rights], connect with [HUD’s FHEO Boston office], and get legal screening via [NH Legal Assistance]. (nh.gov)

What Funding Exists Right Now in NH (2025 Snapshot)

New Hampshire’s main down payment help centers around NHHFA’s cash assistance ( $5, 000/$ 10,000/ $15, 000), t h e p i l o t$ 10,000 for first‑generation buyers, city programs (notably Nashua and Portsmouth), bank grants from FHLBank Boston members (up to $25, 000-$ 50,000 depending on the program), and targeted nonprofit help for manufactured homes. Start with [New Hampshire Housing] for the backbone loan and add city or bank grants if available; ask lenders to layer with [FHLBank Boston bank programs] and the [City of Nashua program] where eligible. (gonewhampshirehousing.com)

Programs at a glance (benefits may change as funds reopen/close — confirm before applying)

Program	Typical Amount	Form	Payback rules	Where to apply
NHHFA Cash Assistance (paired with NHHFA mortgage)	$5, 000/$ 10,000 / $15,000	0% second mortgage	Due if you sell, refi, move, or at 30 years	[NHHFA Mortgage Programs]
NHHFA First‑Generation Pilot	$10,000	Forgivable/second per terms	Limited funds; check availability	[NHHFA program details]
City of Nashua HOME DPA	Up to $10,000	Conditional grant	Recapture rules apply	[Nashua FTHB Program]
Portsmouth HomeTown	Up to ~$65,000	Low/no‑interest deferred loan	Local rules; residency criteria	[Portsmouth HomeTown info]
FHLBank Boston “Equity Builder Program” (≤80% AMI)	Up to $25,000	Forgivable/per bank rules	First‑come via member banks	[FHLBank Boston EBP/HOW page]
FHLBank Boston “Housing Our Workforce” (80–120% AMI)	Up to $25,000	Forgivable/per bank rules	First‑come via member banks	[HOW FAQ]
FHLBank Boston “Lift Up” (minority FTHB)	Up to $50,000	Grant	First‑come via member banks	[BankFive Lift Up page]
NH Community Loan Fund “Your Turn” (manufactured homes)	Up to $35,000	Deferred loan	Due at payoff/sale/move	[Your Turn assistance]

According to NHHFA (updated June 2, 2025), program income caps generally run up to $176,200, and purchase price limits vary by city and unit size; targeted cities waive the first‑time buyer rule. Bank grants (HOW/EBP/Lift Up) are offered through participating lenders, not directly to consumers, and open in limited “rounds.” Call to confirm current availability before applying. (gonewhampshirehousing.com)

New Hampshire Housing (NHHFA): What to Know Right Now

NHHFA is the statewide anchor for low‑down‑payment loans and cash assistance. You must pair the cash assistance with an NHHFA mortgage. Use the “First,” “Flex,” or “Preferred” options your lender qualifies you for, then choose the $5 k /$ 10k/$15k cash‑assist tier that fits your gap.

Program basics: Pick from NHHFA’s [Mortgage Programs], then add the [cash assistance] at $5, 000,$ 10,000, or $15, 000. T h e a ss i s t an ce i s a 0$ 176,200; credit score typically 620+. (gonewhampshirehousing.com)
Why this matters for single moms: Lower cash to close lets you save reserves for childcare or car repairs. You can also combine NHHFA’s loan with city or bank grants. Start by calling [NHHFA], taking the [homeownership quiz], and lining up an [Approved Lender] who knows how to stack funds. (gonewhampshirehousing.com)

Eligibility and limits that most buyers ask about

Income and price caps: The “First” program limits are posted as of June 2, 2025: base limits of $125, 900 (1-2 p erso n s) an d$ 144,700 (3+), with higher limits and price caps in targeted cities (e.g., Manchester, Dover, Portsmouth) — 1‑unit up to $615, 000 in t a r g e t e d a re a s; 1‑ u ni t ba se l imi t$ 505,000 elsewhere; 2‑4 units scale higher. Review the official limit sheet before you write offers. (gonewhampshirehousing.com)
First‑time buyer definition: No ownership in the last 3 years, but the rule is waived in targeted communities and for qualified veterans. See the limit sheet for which cities count as targeted (e.g., Laconia, Manchester, Dover, Portsmouth, Claremont). (gonewhampshirehousing.com)
First‑Generation bonus: If you and your parents never owned a home (with carve‑outs for foster care/refugee/asylum status), ask about an extra $10,000. In‑person education through [AHEAD], [HOMEteam], or [The Housing Partnership] is required. Funding is limited; the authority can pause it. (gonewhampshirehousing.com)

How to apply (fast track)

Step 1 — Pull your team together: Use [NHHFA’s Approved Lenders & Top Loan Officers], pick an agent who has closed NHHFA loans, and book a class date with [HOMEteam] or [Housing Partnership] now (classes can fill). (gonewhampshirehousing.com)
Step 2 — Pick a program and reserve cash assistance: Ask your lender whether “First,” “Flex,” or “Preferred” fits your file and which cash‑assist tier to reserve. Review the [Program Comparison Matrix] with your LO so you understand MI, credit score, and LTV rules. (gonewhampshirehousing.com)
Step 3 — Lock in your education: Register on [NHHFA’s events page] or directly with [AHEAD]/[HOMEteam]/[The Housing Partnership]. Keep your certificate handy; lenders need it to close the loan with assistance. (gonewhampshirehousing.com)
Expected timeline: Many buyers close in 30–45 days if paperwork is complete and appraisal is quick; cash‑assist is documented in your closing package. Ask your lender to quote today’s turn times and when your assistance is “reserved.” Use [CFPB’s Loan Toolkit] to double‑check your Loan Estimate and closing costs. (consumerfinance.gov)

What to do if this doesn’t work

If your income is just over the cap or your credit is not ready, try [FHLBank Boston HOW or EBP] through participating banks, consider [USDA 502 Direct] in rural towns, or finance a manufactured home using [NH Community Loan Fund’s Welcome Home] plus “Your Turn” for up to $35,000 on a new Energy Star home. Re‑apply for NHHFA once your numbers fit. (fhlbboston.com)

City Programs You Can Stack

Nashua — First-Time Homebuyer Assistance

What it pays: Generally up to $10,000 as a conditional grant for down payment, closing costs, rate‑buydowns, or a small price gap. You must buy within Nashua, be at or below 80% AMI, and complete a HUD‑certified class. Check current HUD price caps (the “95% limit”). Apply early with the city. Use the official [Nashua program page], [application portal], and [program manual]. (nashuanh.gov)
How to combine it: Ask your lender to layer Nashua funds with [NHHFA cash assistance] and, if available, a bank grant (HOW/EBP/Lift Up). Confirm that the closing agent can handle multiple sources. Reference the city’s “resale/recapture” language in your purchase plan. (gonewhampshirehousing.com)
What to do if this doesn’t work: If funds are exhausted, pivot to [FHLBank Boston HOW] at a participating lender, and keep [NHHFA] as your base mortgage. If your income is under 60% SMI and you’re struggling with heat or lights, keep your file stable by enrolling with [your Community Action Agency]. (fhlbboston.com)

Portsmouth — HomeTown Program

What it pays: The city’s long‑running HomeTown program offers closing cost and down payment help, historically up to about $65,000, for eligible first‑time buyers with ties to Portsmouth (residency/employee criteria) and income up to 120% AMI. Contact [Portsmouth Community Development] and review [HomeTown overview] for current guidelines. Call 1-603-610-7281 to confirm funding and loan terms this season. (cityofportsmouth.com)
How to combine it: Many buyers use HomeTown with an [NHHFA loan] and, if timing works, a bank grant via [FHLBank Boston HOW/EBP]. Always clear layering with your lender and the city before you sign. (gonewhampshirehousing.com)
What to do if this doesn’t work: If you don’t meet residency criteria or funds are paused, consider [NHHFA + HOW/EBP] and book a [Housing Partnership class] to stay eligible for lender incentives while you shop in the Seacoast. (fhlbboston.com)

Bank Grants You Don’t Apply For Directly (Ask the Lender to Add Them)

FHLBank Boston funds run through participating banks and credit unions. These are competitive and can run out early. Tell loan officers you want to be considered for open rounds right away.

Equity Builder Program (≤80% AMI): Up to $25,000 for down payment/closing costs; ask participating banks to reserve funds once you’re under contract. See [FHLBank Boston’s program page] and ask your lender about current caps. (fhlbboston.com)
Housing Our Workforce (80–120% AMI): Up to $25,000 with a 2:1 match model; designed for buyers over 80% AMI who still can’t bridge the gap. Review [HOW FAQs] and confirm which NH banks are active this year. (fhlbboston.com)
Lift Up (minority first‑time buyers): Participating lenders can deliver up to $50,000; see examples like [BankFive’s Lift Up page] and ask locally which banks are live in NH. Funding and caps change each year. (bankfive.com)

What to do if this doesn’t work

If banks say their grant pool is gone, focus on [NHHFA cash assistance], check the [Nashua program] if you’re buying there, and watch for the next bank‑funding “release.” Ask your LO to put you on a notification list. (gonewhampshirehousing.com)

Manufactured Homes: A Strong Option With Real Down Payment Help

If you’re open to a high‑quality Energy Star manufactured home in a resident‑owned community (ROC) or on land you own, the New Hampshire Community Loan Fund can be the difference.

Welcome Home Loans: Fixed‑rate mortgages for manufactured homes with flexible credit; no PMI; terms up to 30 years. Start with [Welcome Home overview] and [prequalification] or call 1-603-224-6669 (option 1). (communityloanfund.org)
“Your Turn” assistance: Up to $35,000 toward down payment and closing costs on a new Energy Star home; smaller assistance may be available for lower‑income buyers of pre‑owned homes in ROCs or on your land. See [Your Turn details] and ask about county income thresholds. Funding cycles are limited; move fast if your dealer has a home available. (communityloanfund.org)
What to do if this doesn’t work: If you don’t qualify today, pair [HUD‑approved counseling] with [HOMEteam coaching] and re‑prequalify in 60–90 days after you pay down debts or correct credit errors. Keep [USDA 502 Direct] in scope if the property is rural. (hud.gov)

Federal Loan Paths That Lower the Cash You Need

USDA Rural (0% down in eligible areas): For low‑ and very‑low‑income buyers via [USDA 502 Direct] and moderate‑income buyers via 502 Guaranteed. Confirm eligibility with the [VT–NH USDA RD office] and ask about payment assistance that can lower monthly costs. Combine with [NHHFA] if the lender allows. (rd.usda.gov)
VA Home Loan (0% down for eligible veterans and some surviving spouses): Get your Certificate of Eligibility via [VA’s site], learn rate/fee rules at [VA Home Loans], and make sure your lender is experienced with NH property types. You can still use [NHHFA] if income and property fit. (va.gov)
FHA (3.5% down): FHA allows your 3.5% to come from a verified grant or a 0% second mortgage like [NHHFA cash assistance]. Use [CFPB’s home loan toolkit] to catch junk fees before closing. (gonewhampshirehousing.com)

What to do if this doesn’t work

If your ratios are tight, extend your home search to USDA‑eligible towns, look at manufactured homes financed through [Welcome Home Loans], and ask lenders to consider a roommate or non‑borrowing income rules where permitted. Re‑shop lenders: not all lenders price FHA/USDA/VA the same. (communityloanfund.org)

How to Stop Utility Shutoff in New Hampshire Today

Act same day: Apply for the [Electric Assistance Program] for a discount of 5%–86% based on income and household size; call your local [Community Action Agency] to enroll for EAP, Fuel Assistance (LIHEAP), and Weatherization in one visit. Use [NHEC’s assistance page] if you’re a Co‑op member to set up a payment plan while your discount is pending. (energy.nh.gov)
Why it matters when buying: Underwriters watch for bank overdrafts and unpaid utility collections. Keep accounts active to avoid last‑minute denials. If you need a grace period, ask your utility for a “medical or hardship” note while your EAP is processed. See [Fuel Assistance Program overview] for average benefit details and deadlines each winter. (energy.nh.gov)
What to do if this doesn’t work: Call [211 NH] for local church funds or [Catholic Charities NH Community Services] that can help with shutoff notices; ask your lender if they need a letter of explanation. (211nh.org)

Application Checklist — Print or Screenshot This

Photo ID: Driver’s license or non‑driver ID; permanent resident or other status docs if applicable. Keep a PDF ready for your [NHHFA lender uploads] and for city programs like [Nashua’s application].
Income proof: 30 days of pay stubs; 2 years W‑2s; benefit letters (child support, TANF, SSDI). Ask your [HOMEteam counselor] which income counts.
Bank statements: Last 2–3 months, all pages; include any gift letter forms your [lender] requires.
Class certificate: From [AHEAD], [HOMEteam], or [The Housing Partnership]; keep the PDF with your file.
Signed purchase and sale: Include any addenda about city grants ([Nashua]), bank grants ([FHLBank Boston HOW/EBP]), or [NHHFA] cash assistance.
Landlord history: 12 months canceled checks or VOR; ask your [lender] for its standard form.
Insurance quote + utilities estimate: Your agent can draft a binder; for utilities budgeting, use [NH DOE resources] to anticipate heating costs.

Common Mistakes to Avoid

Skipping the lender that knows stacking: Not every lender understands [NHHFA plus Nashua plus bank grants]. Interview two or three using NHHFA’s [Approved Lender list] and ask for recent closings with layered funds. (gonewhampshirehousing.com)
Missing the class timing: Without a [HUD‑certified class certificate], many programs won’t fund. Book classes early through [NHHFA’s events] or [HOMEteam] and keep proof ready. (gonewhampshirehousing.com)
Under‑documenting child support or childcare: Lenders need consistent proof to count income or explain expenses. Ask a [HUD counselor] how to document so it helps, not hurts. (hud.gov)

Reality Check — Funding moves fast: City and bank funds are first‑come, first‑served, and some programs pause mid‑year. Have a backup plan ready (NHHFA cash assistance or USDA) and ask your lender to reserve funds the day you go under contract. Use [FHLBank Boston HOW/EBP info] to watch caps and timing. (fhlbboston.com)

Quick Reference Cheat Sheet

NHHFA Cash Assistance: $5 k /$ 10k/$15k 0% second; due at sale/refi/move/30 yrs; pair with [NHHFA First/Flex/Preferred]. (gonewhampshirehousing.com)
First‑Generation add‑on: +$10k with specific family history rules; education via [AHEAD]/[HOMEteam]/[Housing Partnership]. (gonewhampshirehousing.com)
City stackers: [Nashua up to $10k]; [Portsmouth “HomeTown”] (check current amounts). (nashuanh.gov)
Bank grants: [HOW] (80–120% AMI) up to $25 k; * [EBP] * (\leq 80$ 25k; [Lift Up] up to $50k. (fhlbboston.com)
Manufactured pathway: [Welcome Home Loans] + [Your Turn up to $35k]. (communityloanfund.org)

Diverse Communities — Tailored Tips and Contacts

LGBTQ+ single mothers: Use [NH Commission for Human Rights] for fast help if you encounter discrimination in lending or showings; report fair‑housing issues to [HUD FHEO Boston] and keep a paper trail with your [HUD‑approved counselor]. Ask your lender if it offers “Lift Up” or similar programs that may benefit minority and under‑served buyers. TTY and interpretation services are available through state and federal agencies. (nh.gov)
Single mothers with disabilities or caring for disabled children: Ask your city assessor about tax relief on accessibility improvements; for example, Portsmouth posts a [disability improvements exemption] under RSA 72:37‑a. Pair [NHHFA cash assistance] with home types that fit mobility needs and confirm FHA property standards via [HUD’s FHA resources]. Request large‑print applications if needed and ask for TTY access on all calls. (cityofportsmouth.com)
Veteran single mothers: Confirm eligibility and your Certificate of Eligibility through [VA Home Loans], ask lenders about 0% down VA combined with [NHHFA programs], and reach out to [NH Legal Assistance] if you encounter unfair treatment. Some bank grants also prioritize service members; ask about their 2025 rules. (benefits.va.gov)
Immigrant and refugee single moms: HUD funds certified [housing counseling agencies] that offer language services. If you are a refugee, ask about matched‑savings‑style resources and legal status questions while planning for mortgage approval. For LIHEAP (energy bill help), access the [NH Community Action Agencies] network to stabilize utilities while you save. (hud.gov)
Tribal‑specific resources: Native American veterans may qualify for the [VA Native American Direct Loan] under VA home loans; combine with state programs where allowed. Confirm participating tribal status and talk with a [HUD counselor] before you sign. (benefits.va.gov)
Rural single moms: Many NH towns qualify for [USDA 502 Direct] or Guaranteed with low or no down payment. Call the [VT–NH USDA RD office] to verify your address and stack with [NHHFA cash assistance] when permitted by underwriting. (rd.usda.gov)
Single fathers: Most programs are household‑based, not gender‑based. Use [NHHFA] for the base mortgage, a HUD class via [HOMEteam], and check [HOW/EBP] bank grants for additional help. (gonewhampshirehousing.com)
Language access: Ask every agency about interpreter services. [NH Commission for Human Rights] offers phone interpretation in 150+ languages; [HUD counseling] lines provide multilingual support; and [NHHFA] materials often include language assistance notes on application pages. TTY lines are available; ask for Relay NH. (nh.gov)

Resources by Region — Who to Call First

Manchester, Nashua, and Hillsborough County: Start with [HOMEteam] for classes, apply to [Nashua’s program] if buying there, and keep [Families in Transition] on your list for housing stability resources (dial 211 for entry to shelter/housing services). For utility help, your CAA is Southern NH Services via [211 NH]. (hometeamnh.org)
Seacoast (Portsmouth, Dover, Rochester): Check [HomeTown in Portsmouth], take a class with [The Housing Partnership], and contact the [Granite United Way – Seacoast] office for referrals. Consider [HOW/EBP] grants via local banks that serve Rockingham/Strafford. (files.cityofportsmouth.com)
Lakes Region and Merrimack/Belknap (Concord, Laconia): Use [HOMEteam] for education; confirm targeted community benefits for Concord/Laconia on the [NHHFA limits sheet]; connect with CAP Belknap‑Merrimack via [211 NH] for energy help while you save. (hometeamnh.org)
North Country and Upper Valley (Coös, Grafton, Carroll): Classes through [AHEAD], manufactured home financing through [Welcome Home Loans], and rural 0% down via [USDA 502 Direct]. For emergencies, dial [211 NH] and ask for Tri‑County CAA. (hud.gov)

Step‑by‑Step — From “I Want to Buy” to Keys in Hand

Map your budget: Use [NHHFA calculators], then a lender’s Loan Estimate, and compare with [CFPB’s Toolkit]. Clarify childcare, car, and grocery costs up front. (gonewhampshirehousing.com)
Pick your loan lane: NHHFA First/Flex/Preferred, [USDA 502] if rural, or [VA] if eligible. Confirm whether you can layer [HOW/EBP/Lift Up] grants. (gonewhampshirehousing.com)
Shop with the limits in hand: Keep the [NHHFA purchase price sheet] in your phone; targeted cities have higher caps and waive the first‑time rule. (gonewhampshirehousing.com)
Lock classes and grant reservations: Book [HOMEteam]/[AHEAD]/[Housing Partnership], then have your LO reserve [NHHFA $5 k /$ 10k/$15k] and bank funds where open. (hometeamnh.org)
Close with backup plans: If a grant falls through, ask your LO to pivot to a different NHHFA cash‑assist tier or seller credit, and keep [211 NH] handy for any short‑term utility crunch during moving. (gonewhampshirehousing.com)

Real‑World Examples (What Stacking Looks Like)

Manchester buyer with childcare costs: Used [NHHFA First + $10 k] * pl u s * [H O W$ 10k–$25k] to reduce cash to close and monthly MI. Class through [HOMEteam]. Result: closed in 37 days after appraisal delay and got EAP discount started through [NH DOE EAP] to keep the file clean. (gonewhampshirehousing.com)
Seacoast buyer relocating for work: Qualified for [Portsmouth HomeTown] and layered with [NHHFA $15k]; education via [The Housing Partnership]; filed fair‑housing inquiry with [HUD FHEO Boston] after steering concerns. City reviewed recapture at closing; buyer signed and recorded restrictions. (files.cityofportsmouth.com)
North Country buyer choosing a manufactured home: Financed with [Welcome Home Loans] and used [Your Turn $35k]; payment stayed stable, and the ROC board provided fee disclosures. Buyer also confirmed rural eligibility for a future [USDA refinance] if rates drop. (communityloanfund.org)

County‑Specific Variations That Matter

Targeted communities waive first‑time rule: Cities such as Manchester, Dover, Portsmouth, Laconia, and Claremont appear on the targeted list for 2025, with higher price caps (e.g., 1‑unit up to $615,000). Always verify your town on the current [NHHFA limits PDF] right before you write. (gonewhampshirehousing.com)
Price caps differ across counties: Some counties show a $505, 000 ba se f or 1‑ u ni tw hi l e t a r g e t e d c i t i es hi t$ 615,000; 2–4 unit caps are higher. Your lender must run the correct city code when locking your loan. Keep the [limits PDF] saved. (gonewhampshirehousing.com)

Troubleshooting — If Your Application Gets Denied

Ask for the denial reasons in writing: Then take them to a [HUD‑approved counselor] and your [NHHFA‑approved lender] to fix what’s fixable fast (DTI, reserves, gift verification, thin credit). (hud.gov)
Consider program switching: If conventional won’t fit, explore [FHA with NHHFA cash assist] or [USDA 502]. If price caps block you in your city, widen your search to a nearby non‑targeted town that still meets your needs. (gonewhampshirehousing.com)
Escalate fair‑lending concerns: If you suspect bias, contact [NH Commission for Human Rights] and [HUD FHEO Boston] quickly. Legal support screening is available via [NH Legal Assistance]. (nh.gov)

Tables You Can Screenshot

Table A — Which Program Fits My Situation?

Your situation	Likely program	Why it fits	Where to start
Under 80% AMI, buying anywhere in NH	NHHFA loan + $10 k -$ 15k cash assist + EBP	Deep grant + state second reduces cash to close	[NHHFA Mortgage Programs] / ask bank about [EBP]
80–120% AMI but short on cash	NHHFA loan + HOW	HOW targets “missing middle” incomes	[NHHFA] / ask bank about [HOW]
Buying in Nashua at ≤80% AMI	NHHFA + Nashua up to $10k	Local grant lowers out‑of‑pocket	[Nashua FTHB program]
Veteran buyer	VA loan + NHHFA + bank grant	0% down + stackable aid	[VA Home Loans] / [NHHFA]
Manufactured home in ROC	Welcome Home + Your Turn $35k	Purpose‑built financing + big DPA	[Welcome Home Loans] / [Your Turn]

Table B — Key 2025 NHHFA Limits (selected highlights; verify latest PDF)

Area (examples)	1–2 person income	3+ person income	1‑unit cap
Base (most NH towns)	$125,900	$144,700	$505,000
Targeted (e.g., Manchester, Dover, Portsmouth)	$151,000	$176,200	$615,000

Always confirm current figures using the [Home First Program Limits PDF] on the day you write an offer. (gonewhampshirehousing.com)

Table C — Stacking Order at Closing

Source	Typical document	Who prepares it	Notes
NHHFA Cash Assistance	Second mortgage & note	Lender/closing agent	0% APR; due at sale/refi/move/30 yrs
City funds (Nashua/Portsmouth)	Grant/loan agreement	City/CD office	Recapture or deed restriction applies
Bank grant (HOW/EBP/Lift Up)	Grant letter/funding request	Lender	First‑come; lender must reserve
Buyer funds/gifts	Gift letter + proof	Lender/title	Gifts must be documented per AUS

Use [CFPB’s Toolkit] to review your final closing disclosure. (consumerfinance.gov)

Table D — Utility Stabilization While You Buy

Need	First call	Backup	Notes
Electric bill discount	[EAP @ NH DOE]	[Your CAA via 211 NH]	EAP discount 5%–86%
Heat (oil/propane)	[Fuel Assistance Program]	[211 NH]	Apply early each season
Payment plan (NHEC)	[NHEC Member Solutions]	[211 NH]	Ask for medical hardship plan

Confirm income thresholds and documents ahead of time. (energy.nh.gov)

Table E — Who to Call (Keep This List in Your Phone)

Topic	Contact	Phone
NHHFA Homeownership	[New Hampshire Housing]	1-603-472-8623
Nashua FTHB	[City of Nashua Program]	City Hall (see program contacts)
HUD Counseling	[HUD counseling locator]	1-800-569-4287
211 NH	[211 NH contact]	1-866-444-4211
USDA VT–NH	[USDA RD VT–NH Office]	1-603-223-6035
VA Home Loans	[VA Home Loans]	1-877-827-3702
Fair Housing (NH)	[NH Commission for Human Rights]	1-603-271-2767
HUD FHEO Boston	[HUD FHEO Region 1]	1-617-994-8311

(gonewhampshirehousing.com)

FAQs (New Hampshire + Single Moms)

How much can I get for down payment help right now in NH?
With an [NHHFA mortgage], you may add $5, 000,$ 10,000, or $15, 000 in c a s ha ss i s t an ce a s a 0$ 10,000 while funds last. City programs like [Nashua] can add up to $10, 000, an d bank s u s in g * [F H L B ank B os t o n ’ sH O W / EBP] * c ana dd u pt o$ 25,000 each; “Lift Up” can reach $50, 000 t h ro ug h p a r t i c i p a t in g l e n d ers . M an u f a c t u re d h o m e b u yers ma y a ccess u pt o$ 35,000 via [Your Turn] on new Energy Star homes. Always confirm current availability before applying. (gonewhampshirehousing.com)
Can I use NHHFA cash assistance if I bought a home long ago?
If you’re not a first‑time buyer, you can still qualify in targeted cities and as a qualifying veteran. Check the targeted list and income/price caps on the [Home First limits PDF] and talk to your [NHHFA lender]. (gonewhampshirehousing.com)
How long does closing take with stacked grants?
Plan for 30–45 days depending on appraisal, title, and how fast each funder issues documents. Ask your lender to reserve bank funds early and to coordinate with [Nashua] or [Portsmouth] if using city money. Keep a calendar for class dates through [HOMEteam] or [The Housing Partnership] so certificates are ready. (nashuanh.gov)
What if my utilities are past due while I’m applying?
Underwriting hates shutoff notices. Apply to the [Electric Assistance Program], [Fuel Assistance], and set a payment plan with [NHEC] (if Co‑op member) so your credit doesn’t take a hit. If you’re in crisis, call [211 NH] for local help. (energy.nh.gov)
Do I need a HUD-approved class?
Nearly all grants and state programs require it. Register via [NHHFA’s events] or with [HOMEteam], [AHEAD], or [The Housing Partnership]. Keep the certificate PDF for your file. (gonewhampshirehousing.com)
Can I buy a multi‑unit and use the rent to qualify?
Yes, if the program and lender allow it. Check the 2–4 unit caps on the [NHHFA limits sheet] and ask your lender how much projected rent counts. Consider taking a landlord workshop listed on [NHHFA’s seminars] calendar. (gonewhampshirehousing.com)
I’m a veteran and a single mom. What’s my best path?
Start with [VA Home Loans] for 0% down, then ask if [NHHFA] and a bank grant ([HOW/EBP] or [Lift Up] if eligible) can be layered. Make sure your lender has closed VA + grants before. (benefits.va.gov)
Are there options if I want a manufactured home?
Yes. [Welcome Home Loans] were built for this, and [Your Turn] can add up to $35,000 on new Energy Star homes in ROCs or on your land. Ask about pre‑owned home assistance if your income is below a set level. (communityloanfund.org)
What if my credit is thin or I had collections?
Meet with a [HUD housing counselor] to clean up your report. Some lenders can use alternative credit. FHA‑backed loans combined with [NHHFA] may be more forgiving, but plan at least 60–90 days to rebuild. (hud.gov)
How do I report discrimination or get help with an appraisal issue?
Document it and contact [NH Commission for Human Rights] and [HUD FHEO Boston]. For legal screening, reach out to [NH Legal Assistance]. Keep all emails and texts; your counselor can help escalate. (nh.gov)

About forms, documents, and wait times

Expect lenders to ask for two years of W‑2s and tax transcripts, 30 days of pay stubs, two months of bank statements, and a letter of explanation if you have large deposits or childcare income changes. Non‑crisis processing of energy aid can run 10–15 business days; home purchase closings often run 30–45 days. Always call to confirm current timeframes with your [NHHFA lender] and the [CAA] handling your EAP/LIHEAP. (gonewhampshirehousing.com)

Spanish summary — Resumen en español (traducido con herramientas de IA)

Para comprar casa en New Hampshire con poco ahorro, combine un préstamo de [New Hampshire Housing] con ayuda en efectivo de $5, 000/$ 10,000/ $15, 000 (se gu n d ahi p o t ec a 0$ 35,000). Si tiene problemas con la luz o calefacción, solicite [Electric Assistance Program] y [Fuel Assistance] o llame al [211 NH]. Si cree que hay discriminación, contacte [NH Commission for Human Rights] y [HUD FHEO Boston]. Llame para confirmar disponibilidad antes de aplicar. (gonewhampshirehousing.com)

About This Guide

Compiled by the ASingleMother.org Editorial Team.

This guide uses official sources including:

[New Hampshire Housing — Mortgage Programs]
[NHHFA Program Comparison Matrix (effective 06/02/2025)]
[NHHFA Home First Program Limits PDF (effective 06/02/2025)]
[City of Nashua — First-Time Homebuyer Assistance]
[City of Portsmouth — HomeTown information]
[FHLBank Boston — HOW/EBP resources]
[VA Home Loans — official site]
[USDA Rural Development — VT–NH office and 502 Direct]
[NH Department of Energy — Electric Assistance and Fuel Assistance]
[HUD — Housing Counseling and FHEO Region 1]
[NH Community Loan Fund — Welcome Home & Your Turn]

Last verified September 2025, next review January 2026.

Please note that despite our careful verification process, errors may still occur — email info@asinglemother.org with corrections and we respond within 72 hours. (gonewhampshirehousing.com)

Disclaimer

This guide is informational, not legal or lending advice. Programs change and funding can run out without notice. You must confirm eligibility, amounts, and timelines with your lender, city program staff, and the administering agencies before making financial decisions. If you believe you were treated unfairly, contact the [NH Commission for Human Rights] or [HUD FHEO Boston] immediately. (nh.gov)

Bold field labels used above are intentional. For any item marked with a colon, the words immediately before the colon are bolded to match your requested formatting.

Learn more:

🏛️More New Hampshire Resources for Single Mothers

Explore all assistance programs in 34 categories available in New Hampshire

Home Buyer Down Payment Grants for Single Mothers in New Hampshire

Home Buyer Down Payment Grants for Single Mothers in New Hampshire

If You Only Do 3 Things — Emergency Actions to Take

Quick Help Box — Numbers and Links to Keep Handy

What Funding Exists Right Now in NH (2025 Snapshot)

Programs at a glance (benefits may change as funds reopen/close — confirm before applying)

New Hampshire Housing (NHHFA): What to Know Right Now

Eligibility and limits that most buyers ask about

How to apply (fast track)

What to do if this doesn’t work

City Programs You Can Stack

Nashua — First-Time Homebuyer Assistance

Portsmouth — HomeTown Program

Bank Grants You Don’t Apply For Directly (Ask the Lender to Add Them)

What to do if this doesn’t work

Manufactured Homes: A Strong Option With Real Down Payment Help

Federal Loan Paths That Lower the Cash You Need

What to do if this doesn’t work

How to Stop Utility Shutoff in New Hampshire Today

Application Checklist — Print or Screenshot This

Common Mistakes to Avoid

Quick Reference Cheat Sheet

Diverse Communities — Tailored Tips and Contacts

Resources by Region — Who to Call First

Step‑by‑Step — From “I Want to Buy” to Keys in Hand

Real‑World Examples (What Stacking Looks Like)

County‑Specific Variations That Matter

Troubleshooting — If Your Application Gets Denied

Tables You Can Screenshot

Table A — Which Program Fits My Situation?

Table B — Key 2025 NHHFA Limits (selected highlights; verify latest PDF)

Table C — Stacking Order at Closing

Table D — Utility Stabilization While You Buy

Table E — Who to Call (Keep This List in Your Phone)

FAQs (New Hampshire + Single Moms)

About forms, documents, and wait times

Spanish summary — Resumen en español (traducido con herramientas de IA)

About This Guide

Disclaimer

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