FHA Loan Limits in Hillsborough County, New Hampshire (2026)
In Hillsborough County — anchored by Hillsborough County — the 2026 FHA loan limit for a single-family home is $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 |
From Hillsborough County to the edges of Hillsborough County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Rockingham and Merrimack Counties.
Affording a home in Hillsborough County & Hillsborough County
An FHA buyer near Hillsborough County faces an estimated $445,000 median, a $15,575 down payment, and — after New Hampshire's 1.93% property tax — a monthly cost around $3,720. That suits household income of roughly $144,000, above New Hampshire's $96,838 median household income, so budget carefully.
FHA payment scenarios in Hillsborough County
Here is what an FHA payment looks like at three Hillsborough County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $320,000 | $11,200 | $2,707 |
| Local median — $445,000 | $15,575 | $3,720 |
| 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 Hillsborough County too — get notified.
First-time buyers make up much of FHA activity in Hillsborough County and across Hillsborough County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $15,575 needed on a median Hillsborough County home.
Multi-unit FHA limits in Hillsborough County
Looking at a duplex or fourplex near Hillsborough County? FHA allows up to $692,997 on two units and $1,041,072 on four in Hillsborough County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Hillsborough County for 2026?
- In Hillsborough County (Hillsborough 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 Hillsborough County with FHA?
- For a median-priced ($445,000) Hillsborough County home, plan on income around $144,000 at a 31% housing ratio — about $3,720/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Hillsborough County?
- 3.5% with a 580+ score — roughly $15,575 on a $445,000 Hillsborough County-area home. Gift funds are allowed.
- Is Hillsborough County a high-cost FHA area?
- No — Hillsborough County uses the $541,287 national floor for one unit.