FHA Loan Calculator — New Hampshire
On the typical New Hampshire home ($516,000), 3.5% down leaves a $497,940 base loan. The 1.75% upfront premium ($8,714) is financed, for a $506,654 loan, and annual MIP of 0.55% adds $231 a month for the life of the loan. New Hampshire FHA limits run $541,287–$962,550 by county.
New Hampshire has the 6th-highest effective property tax rate of the 50 states at 1.50% — $3,044 more a year than the 0.91% state average on a $516,000 home. Homeowners insurance averages $1,300 a year, the 3rd-lowest premium nationally and $1,420 less than the typical state.
Loan Parameters
Total Monthly Payment
$4,365
Principal & Interest + Taxes + Insurance
APR 7.761%
Total Interest
$710,501
Total Cost
$1,543,940
Advanced Parameters
FHA Mortgage Insurance Premium (MIP)
Annual MIP of 0.55% is billed monthly on the average balance of each loan year. With less than 10% down it lasts for the life of the loan; with 10% or more down it ends after 11 years. A 1.75% upfront premium is also added to the loan.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Full term
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | MIP | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $40,572 | $5,117 | $35,455 | $2,774 | $501,537 | $14,463 |
| Year 2 | $40,572 | $5,489 | $35,083 | $2,745 | $496,048 | $19,952 |
| Year 3 | $40,572 | $5,887 | $34,685 | $2,714 | $490,161 | $25,839 |
| Year 4 | $40,572 | $6,315 | $34,257 | $2,680 | $483,847 | $32,153 |
| Year 5 | $40,572 | $6,773 | $33,799 | $2,644 | $477,074 | $38,926 |
| Year 6 | $40,572 | $7,265 | $33,307 | $2,606 | $469,809 | $46,191 |
| Year 7 | $40,572 | $7,792 | $32,780 | $2,565 | $462,017 | $53,983 |
| Year 8 | $40,572 | $8,358 | $32,214 | $2,520 | $453,658 | $62,342 |
| Year 9 | $40,572 | $8,965 | $31,607 | $2,473 | $444,693 | $71,307 |
| Year 10 | $40,572 | $9,616 | $30,956 | $2,422 | $435,077 | $80,923 |
| Year 11 | $40,572 | $10,314 | $30,258 | $2,367 | $424,763 | $91,237 |
| Year 12 | $40,572 | $11,063 | $29,509 | $2,309 | $413,700 | $102,300 |
| Year 13 | $40,572 | $11,866 | $28,706 | $2,246 | $401,834 | $114,166 |
| Year 14 | $40,572 | $12,728 | $27,844 | $2,178 | $389,106 | $126,894 |
| Year 15 | $40,572 | $13,652 | $26,920 | $2,106 | $375,454 | $140,546 |
| Year 16 | $40,572 | $14,643 | $25,929 | $2,029 | $360,810 | $155,190 |
| Year 17 | $40,572 | $15,707 | $24,865 | $1,945 | $345,103 | $170,897 |
| Year 18 | $40,572 | $16,847 | $23,725 | $1,856 | $328,256 | $187,744 |
| Year 19 | $40,572 | $18,070 | $22,502 | $1,760 | $310,186 | $205,814 |
| Year 20 | $40,572 | $19,383 | $21,189 | $1,658 | $290,803 | $225,197 |
| Year 21 | $40,572 | $20,790 | $19,782 | $1,548 | $270,013 | $245,987 |
| Year 22 | $40,572 | $22,299 | $18,273 | $1,430 | $247,714 | $268,286 |
| Year 23 | $40,572 | $23,919 | $16,653 | $1,303 | $223,795 | $292,205 |
| Year 24 | $40,572 | $25,655 | $14,917 | $1,167 | $198,140 | $317,860 |
| Year 25 | $40,572 | $27,518 | $13,054 | $1,021 | $170,621 | $345,379 |
| Year 26 | $40,572 | $29,516 | $11,056 | $865 | $141,105 | $374,895 |
| Year 27 | $40,572 | $31,660 | $8,913 | $697 | $109,446 | $406,554 |
| Year 28 | $40,572 | $33,958 | $6,614 | $517 | $75,487 | $440,513 |
| Year 29 | $40,572 | $36,424 | $4,148 | $324 | $39,063 | $476,937 |
| Year 30 | $40,567 | $39,063 | $1,503 | $118 | $0 | $516,000 |
FHA Loan numbers for New Hampshire
- Typical New Hampshire home value
- $516,000
- 3.5% down ($18,060) · Zillow, August 31, 2026
- Loan amount
- $506,654
- Includes $8,714 financed UFMIP
- Estimated monthly payment
- $4,365
- APR 7.761%
- New Hampshire property tax
- 1.50%
- $645/mo
- Homeowners insurance
- $1,300/yr
- $108/mo
- Upfront MIP (1.75%)
- $8,714
- Financed into the loan
- Annual MIP
- 0.55%
- $231/mo in year 1 · life of loan
- New Hampshire FHA loan limit
- $541,287 – $962,550
- One-unit, by county
How much house can you afford in New Hampshire with an fha loan?
Highest price where principal, interest, New Hampshire property tax, insurance and FHA mortgage insurance (1.75% upfront premium financed, 0.55% annual MIP) stay within 28% of gross income —3.5% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $40,000 | $933 | $99,000 | $3,465 | 19% |
| $50,000 | $1,167 | $128,000 | $4,480 | 25% |
| $60,000 | $1,400 | $156,000 | $5,460 | 30% |
| $75,000 | $1,750 | $198,000 | $6,930 | 38% |
| $100,000 | $2,333 | $269,000 | $9,415 | 52% |
| $125,000 | $2,917 | $340,000 | $11,900 | 66% |
| $150,000 | $3,500 | $410,000 | $14,350 | 79% |
FHA vs other loan types in New Hampshire
$516,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| Conventional | 10% · $51,600 | $464,400 | — | $279 PMI | $4,131 | 7.488% |
| FHA | 3.5% · $18,060 | $506,654 | UFMIP $8,714 | $231 MIP | $4,365 | 7.761% |
| VA | 0% · $0 | $527,094 | Funding fee $11,094 | $0 | $4,271 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $103,200 | $412,800 | — | $0 | $3,508 | 7.030% |
New Hampshire high-cost counties (2026)
2 counties have a one-unit conforming limit above the $832,750 baseline. Loans up to these amounts are conforming, not jumbo.
- Rockingham County$962,550
- Strafford County$962,550
Frequently asked questions
What is the monthly payment on a $516,000 home with an fha loan in New Hampshire?
Estimated $4,365 per month ($3,381 principal & interest, $645 property tax, $108 insurance, $231 FHA mortgage insurance) at 7.03% for 30 years, with 3.5% down. APR 7.761%.
What is the FHA loan limit in New Hampshire for 2026?
Between $541,287 and $962,550 depending on the county for a one-unit home. $541,287 is the national FHA floor; counties with higher home prices get higher limits. Check your exact county on HUD's FHA mortgage limits lookup.
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Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- Zillow Home Value Index (ZHVI), typical home value, all homes — Default home prices; typical value as of August 31, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- HUD FHA Mortgage Limits lookup — FHA floor $541,287; high-cost counties follow the conforming limit — confirm on HUD
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
- HUD Mortgagee Letter 2023-05 (annual MIP schedule)
- HUD — FHA single family housing policy handbook 4000.1
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.