Official program database FirstResponderHomePrograms

Public facts first. Not a lender.

New Hampshire program

NH Housing Purchase Rehab

New Hampshire route through New Hampshire Housing. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Rehab first mortgage with optional cash assistance Check official rules 2026-04-22
Agency New Hampshire Housing
Support type Rehab first mortgage with optional cash assistance
Amount highlight NH Housing Purchase Rehab lets buyers finance repair costs inside the first mortgage. Current official materials split the rehab cap by execution: FHA Limited 203(k) can add up to $75,000 of rehab funds, while RD Section 502 Guaranteed Purchase Rehabilitation can add up to $35,000 plus inspection and contingency fees. Current official materials also say the loan can be paired with NH Housing cash-assistance programs under Home Flex Plus.
Last verified 2026-04-22

Use carefully

Split the FHA and RD rehab caps

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

The public page is safe to publish, but it should not imply every Purchase Rehab execution gets the same rehab cap. FHA and RD use different limits and should be written separately.

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to New Hampshire program hub if you need the wider state context.

Amount

NH Housing Purchase Rehab lets buyers finance repair costs inside the first mortgage. Current official materials split the rehab cap by execution: FHA Limited 203(k) can add up to $75,000 of rehab funds, while RD Section 502 Guaranteed Purchase Rehabilitation can add up to $35,000 plus inspection and contingency fees. Current official materials also say the loan can be paired with NH Housing cash-assistance programs under Home Flex Plus.

Type

Rehab first mortgage with optional cash assistance

Repayment

Purchase Rehab is primarily a first-mortgage execution rather than a separate grant or stand-alone second lien. Standard first-mortgage repayment applies through the Home Flex or Home Flex Plus loan, while any layered NH Housing cash assistance follows the separate no-payment second-mortgage terms of the paired assistance product.

First-time buyer

Not required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

New Hampshire homebuyers using an NH Housing approved lender, Borrowers buying an owner-occupied primary residence, Applicants using the Home Flex or Home Flex Plus mortgage family, Buyers financing rehab work on an existing property that has been completed for at least one year

What support do you get?

NH Housing Purchase Rehab lets buyers finance repair costs inside the first mortgage. Current official materials split the rehab cap by execution: FHA Limited 203(k) can add up to $75,000 of rehab funds, while RD Section 502 Guaranteed Purchase Rehabilitation can add up to $35,000 plus inspection and contingency fees. Current official materials also say the loan can be paired with NH Housing cash-assistance programs under Home Flex Plus.

Do you repay it?

Purchase Rehab is primarily a first-mortgage execution rather than a separate grant or stand-alone second lien. Standard first-mortgage repayment applies through the Home Flex or Home Flex Plus loan, while any layered NH Housing cash assistance follows the separate no-payment second-mortgage terms of the paired assistance product.

How do you apply?

Contact an NH Housing approved lender, qualify for Home Flex or Home Flex Plus, complete mandatory Purchase Rehab education, and have the lender originate and close the rehab-enabled first mortgage while submitting the required rehab checklist and supporting documents to NH Housing. If cash assistance is layered in, complete the standard homebuyer-education requirement for that assistance path as well.

Official source evidence

Current NH Housing materials show that Purchase Rehab remains a live statewide first-mortgage lane, with up to $75,000 of rehab funds on the FHA Limited 203(k) path and up to $35,000 plus fees on the RD Section 502 Guaranteed Purchase Rehabilitation path.

View official source

Last verified

2026-04-22

Current NH Housing selling guide revised 2025-10-31; Home Flex fact sheet dated 2025-12-02

Paid preview

What paid access adds for NH Housing Purchase Rehab

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

Example paid output for this program. The free page stays visible either way.

Comparison preview

NH Housing Purchase Rehab

Amount: NH Housing Purchase Rehab lets buyers finance repair costs inside the first mortgage. Current official materials split the rehab cap by execution: FHA Limited 203(k) can add up to $75,000 of rehab funds, while RD Section 502 Guaranteed Purchase Rehabilitation can add up to $35,000 plus inspection and contingency fees. Current official materials also say the loan can be paired with NH Housing cash-assistance programs under Home Flex Plus.

Repayment: Purchase Rehab is primarily a first-mortgage execution rather than a separate grant or stand-alone second lien. Standard first-mortgage repayment applies through the Home Flex or Home Flex Plus loan, while any layered NH Housing cash assistance follows the separate no-payment second-mortgage terms of the paired assistance product.

First-time buyer: Not required

Risk checks preview

What gets flagged before you call a lender

  • NH Housing Purchase Rehab requires a participating lender.
  • NH Housing Purchase Rehab must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate NH Housing Purchase Rehab for this household and loan setup?
  • Which first-mortgage product must be paired with NH Housing Purchase Rehab, and what breaks eligibility?

Action checklist preview

What you would do next

  • Review the official NH Housing mortgage programs page for NH Housing Purchase Rehab
  • Ask whether your lender is approved for this exact program and loan structure.
Open the full New Hampshire board

Paid research preview

What paid research already covers in New Hampshire

Paid research already tracks city and county programs, employer-assisted paths, specialty and conditional paths for New Hampshire.

3 tracked deeper records

These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.

What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

1 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

employer-assisted paths

Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.

1 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

Open the full New Hampshire board

Private workspace

What paid access adds after the free facts

This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback and what to do next.

Save and compare

Keep this program in your shortlist

Active accounts can save this program in one click. If you still need sign-in or checkout, the same button routes you to the right next step.

Save this program for side-by-side comparison and later follow-up.

Full state board

See what this should be compared against

3 tracked deeper leads sit behind the full New Hampshire board around this program.

Open the full New Hampshire board

Risk and lender prep

Catch friction before you call

Use the paid layer for overlap checks, repayment friction, occupancy traps, and lender questions tied to this exact program.

Open shortlist

Action queue

Turn this page into next steps

Paid access turns the public facts into a follow-up list, lender-call order, and a clearer backup-path plan.

Open decision layer