FHA Loan Limits in Grafton County, New Hampshire (2026)
Grafton County and the rest of Grafton 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 |
These 2026 limits apply throughout Grafton County, from Grafton County outward, and sit alongside the limits set for neighboring Hillsborough and Rockingham Counties.
How much home can you afford in Grafton County?
An FHA buyer near Grafton County faces an estimated $519,000 median, a $18,165 down payment, and — after New Hampshire's 1.93% property tax — a monthly cost around $4,319. That suits household income of roughly $167,000, above New Hampshire's $96,838 median household income, so budget carefully.
FHA payment scenarios in Grafton County
FHA payments across Grafton County price points — from entry homes near Grafton County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $374,000 | $13,090 | $3,145 |
| Local median — $519,000 | $18,165 | $4,319 |
| 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 Grafton County too — get notified.
In Grafton County and the surrounding Grafton County market, FHA's appeal is the math: $18,165 down on a $519,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Grafton County
Grafton County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Grafton 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 Grafton County for 2026?
- In Grafton County (Grafton 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 Grafton County with FHA?
- For a median-priced ($519,000) Grafton County home, plan on income around $167,000 at a 31% housing ratio — about $4,319/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Grafton County?
- 3.5% with a 580+ score — roughly $18,165 on a $519,000 Grafton County-area home. Gift funds are allowed.
- Is Grafton County a high-cost FHA area?
- No — Grafton County uses the $541,287 national floor for one unit.