What are FHA Loan Limits in New Hampshire?

FHA loans are a low down payment mortgage program and New Hampshire FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in New Hampshire are set above the floor amount of $275,665 across much of the state.

New Hampshire FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
BELKNAPLACONIA, NH$275,665$352,950$426,625$530,150
CARROLLNON-METRO$275,665$352,950$426,625$530,150
CHESHIREKEENE, NH$275,665$352,950$426,625$530,150
COOSBERLIN, NH-VT$275,665$352,950$426,625$530,150
GRAFTONCLAREMONT-LEBANON, NH-VT$275,665$352,950$426,625$530,150
HILLSBOROUGHMANCHESTER-NASHUA, NH$297,850$381,300$460,900$572,800
MERRIMACKCONCORD, NH$275,665$352,950$426,625$530,150
ROCKINGHAMBOSTON-CAMBRIDGE-NEWTON, MA-NH$598,000$765,550$925,350$1,150,000
STRAFFORDBOSTON-CAMBRIDGE-NEWTON, MA-NH$598,000$765,550$925,350$1,150,000
SULLIVANCLAREMONT-LEBANON, NH-VT$275,665$352,950$426,625$530,150

New Hampshire FHA loan limits can change at any time. Check back often to ensure information is accurate.

How are New Hampshire FHA Limits Set?

New Hampshire FHA Loan LimitsMortgage limits for New Hampshire FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

New Hampshire FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in New Hampshire is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in New Hampshire is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

New Hampshire FHA loan limits are set above the nationwide floor amount in Manchester, Concord, Dover, Rochester, Nashua and surrounding areas. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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