Forgivable loan
Home Town: First Time Homebuyer program
First-time homebuyers · Income limits · Single-family detached, condominium, townhouse, 2-unit owner-occupied. 3-4 unit on case-by-case review.
Down payment assistance · Rockingham County
Buying a home in Portsmouth, NH
2 Portsmouth programs and 14 statewide.Portsmouth has 2 programs of its own, and 14 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Portsmouth’s own programs
First mortgage
Southeast New Hampshire Habitat for Humanity Homeownership Program
New construction · Income limits · Single Family
The Portsmouth marketThe Portsmouth housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Portsmouth
- 39.4% single-familysingle-family
- 9.6% townhousetownhouse
- 14.8% 2–4 units2–4 units
- 33.8% 5+ unitscondo & apartment buildings (5+ units)
- 2.3% mobile & othermobile home & other
Condos count. 1 of Portsmouth’s 2 local and county programs accept condos. Southeast New Hampshire Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Portsmouth’s homes were built
pre-19401970s2020+
66.4%
of Portsmouth homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$137,300
County area median income, 4 people (HUD)HUD area median income, Rockingham County, 4-person household (2026)
$106,219
Portsmouth median household incomeMedian household income in Portsmouth (Census, 2024)
15 of the 78 programs here set their income limit as a share of Rockingham County’s area median income, adjusted for household size. See the published limits for Rockingham County
Free help nearbyFree help near Portsmouth
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Portsmouth’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Home Town: First Time Homebuyer program asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across New Hampshire and nationwide
76 statewide & federal programs14 statewide programs, plus federal options
Portsmouth questions
Does Portsmouth have its own down payment program?
Yes, 2: Home Town: First Time Homebuyer program and Southeast New Hampshire Habitat for Humanity Homeownership Program. Each is for homes inside Portsmouth.
Can I use assistance on a condo in Portsmouth?
1 of Portsmouth’s 2 local and county programs accept condos. Southeast New Hampshire Habitat for Humanity Homeownership Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Rockingham County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Rockingham County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Portsmouth?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Portsmouth. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
03801 · 03802 · 03803 · 03804
Nearby in Rockingham
Sources
Sources: agency sites (July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.