FHA Loan Limits in Belknap County, New Hampshire (2026)
Belknap County and the rest of Belknap County, New Hampshire fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of New England.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Belknap County — Belknap County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Hillsborough and Rockingham Counties.
How much home can you afford in Belknap County?
With Belknap County's median sale price estimated near $422,000 (think Belknap County), the FHA down payment is roughly $14,770. Factoring New Hampshire property taxes near 1.93%, expect about $3,533 monthly, pointing to income near $137,000 — above New Hampshire's $96,838 median household income, so budget carefully.
FHA payment scenarios in Belknap County
FHA payments across Belknap County price points — from entry homes near Belknap County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $304,000 | $10,640 | $2,578 |
| Local median — $422,000 | $14,770 | $3,533 |
| At the FHA limit — $541,287 | $18,945 | $4,499 |
Estimates include FHA MIP plus New Hampshire property taxes and insurance. Rates move daily near Belknap County too — get notified.
Buyers across Belknap County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $14,770 down payment near Belknap County into little out of pocket.
Multi-unit FHA limits in Belknap County
Belknap County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Belknap County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Belknap County for 2026?
- In Belknap County (Belknap County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Belknap County with FHA?
- For a median-priced ($422,000) Belknap County home, plan on income around $137,000 at a 31% housing ratio — about $3,533/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Belknap County?
- 3.5% with a 580+ score — roughly $14,770 on a $422,000 Belknap County-area home. Gift funds are allowed.
- Is Belknap County a high-cost FHA area?
- No — Belknap County uses the $541,287 national floor for one unit.