FHA Loan Limits in Strafford County, New Hampshire (2026)
From Strafford County, FHA buyers in Strafford County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Strafford County, from Strafford County outward, and sit alongside the limits set for neighboring Hillsborough and Rockingham Counties.
What can you buy with FHA in Strafford County?
An FHA buyer near Strafford County faces an estimated $431,000 median, a $15,085 down payment, and — after New Hampshire's 1.93% property tax — a monthly cost around $3,606. That suits household income of roughly $140,000, above New Hampshire's $96,838 median household income, so budget carefully.
FHA payment scenarios in Strafford County
Here is what an FHA payment looks like at three Strafford County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $310,000 | $10,850 | $2,627 |
| Local median — $431,000 | $15,085 | $3,606 |
| 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 Strafford County too — get notified.
In Strafford County and the surrounding Strafford County market, FHA's appeal is the math: $15,085 down on a $431,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Strafford County
Looking at a duplex or fourplex near Strafford County? FHA allows up to $692,997 on two units and $1,041,072 on four in Strafford County, with the same low 3.5% down for owner-occupants.
Your Free FHA Early-Warning System
Rates move daily and FHA rules change often. We will tell you the moment something shifts.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Strafford County for 2026?
- In Strafford County (Strafford 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 Strafford County with FHA?
- For a median-priced ($431,000) Strafford County home, plan on income around $140,000 at a 31% housing ratio — about $3,606/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Strafford County?
- 3.5% with a 580+ score — roughly $15,085 on a $431,000 Strafford County-area home. Gift funds are allowed.
- Is Strafford County a high-cost FHA area?
- No — Strafford County uses the $541,287 national floor for one unit.