hey prescott.
See what you qualify for

NH Capital Region Habitat for Humanity Homeownership Program

New Hampshire Capital Region Habitat for Humanity · Warner, New Hampshire

Last verified
See what you qualify forOfficial program site →
Income limit

60% AMI

Of area median income; varies by county and household size

What is NH Capital Region Habitat for Humanity Homeownership Program?

NH Capital Region Habitat for Humanity Homeownership Program is a first mortgage for homebuyers in Warner, New Hampshire, administered by New Hampshire Capital Region Habitat for Humanity.

  • NH Capital Region Habitat for Humanity (Concord-area affiliate, 16 towns) renovates ~one property per year (typically a single-wide manufactured home) and sells it at no profit to a qualifying low-income household, financed with an affordable, no-interest (0%) mortgage. Selected families complete 200 hours of sweat equity and required financial education. Homeowners are chosen by a Family Selection Committee using an objective scoring tool; total housing cost is capped at 30% of the buyer's income.
  • Affordable 0% interest mortgage.
  • Home sold at no profit.
  • Housing cost capped at 30% of income.
  • Financial education provided.
  • Hands-on sweat-equity partnership.
  • Funding comes from Capital Region Habitat for Humanity (donations, sponsorships, home sale proceeds).

Do you have to pay it back?

NH Capital Region Habitat for Humanity Homeownership Program is a first mortgage and is repaid under the terms set by New Hampshire Capital Region Habitat for Humanity.

  • The assistance is recorded in 1st position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

NH Capital Region Habitat for Humanity Homeownership Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • On credit: No minimum score stated; applicant must have verifiable credit experience and good credit history with ability to repay; on-time payments over the past 12 months required.
  • A completed homebuyer education course, through NH Capital Region Habitat for Humanity (required financial education courses/workshops)
  • Residency: Must live or work in the 16-town service area and have lived there at least one year: Boscawen, Bow, Canterbury, Chichester, Concord, Dunbarton, Epsom, Henniker, Hopkinton, Loudon, Pembroke, Penacook, Pittsfield, Salisbury, Warner, Webster (Home page also lists Allenstown).
  • Citizenship or immigration status: Must be a law-abiding permanent legal resident
  • DRAFT (dpa-gap-finder 2026-06-14): pending review. 200 hours sweat equity and required financial education; must currently live in inadequate/unaffordable housing; background and sex-offender checks for members 18+; housing cost <=30% and total debt+housing <=45% of income; applications accepted only during an open period (property listed on MLS, ~3 weeks to apply). Documented income-limit discrepancy between affiliate documents (60% AMFI vs 80% AMI). Unconfirmed: exact sale price, max purchase price, numeric min credit score.

The program excludes

  • Households above 60% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

NH Capital Region Habitat for Humanity Homeownership Program limits household income to 60% of the area median income, which varies by county and household size.

  • Household income (all sources/members) must fall between 25% and 60% of Merrimack County Area Median Family Income, adjusted for family size. 2021 AMFI 60% table: 1 $39,360; 2 $44,940; 3 $50,580; 4 $56,160; 5 $60,660; 6 $65,160; 7 $69,660; 8 $74,160. NOTE: affiliate's Homeownership Overview instead cites 80% AMI (1-person $52,450) — a documented discrepancy to confirm.
  • The limit applies to total household income, not only the borrower&rsquo;s.
  • The program lists a maximum household size of 8.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

NH Capital Region Habitat for Humanity Homeownership Program can be used for Manufactured and Single Family.

  • Manufactured homes are eligible.

Where does it apply?

NH Capital Region Habitat for Humanity Homeownership Program serves buyers purchasing in Warner, New Hampshire.

How do you apply?

Applications for NH Capital Region Habitat for Humanity Homeownership Program go through New Hampshire Capital Region Habitat for Humanity, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through NH Capital Region Habitat for Humanity (required financial education courses/workshops).

  2. Contact New Hampshire Capital Region Habitat for Humanity to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

Find my programs