The calculator below is pre-filled with Hillsborough County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just New Hampshire's statewide figures.
County data last updated 2026-08-20. FIPS 33011. Full source list on /methodology.
All-in cost first, always — pre-filled with Hillsborough County tax and insurance figures. Estimate only, not a loan quote or pre-approval.
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Tell us your income and savings instead, and we'll work out the max home price and a qualification signal for New Hampshire.
How much house can I afford in New Hampshire? →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.
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.