How Much House Can You Afford in New Hampshire? A Broker’s Honest Answer

The median New Hampshire household earns about $99,031 a year (source: U.S. Census Bureau, American Community Survey 2024). At today’s wholesale rates, that income qualifies for roughly a $308,000 home with 10% down in a typical New Hampshire town. The median New Hampshire home price is $560,000 (source: New Hampshire REALTORS®, April 2026 Monthly Snapshot). The typical New Hampshire household can afford about 55% of the typical New Hampshire home — tighter than Texas, Virginia, South Carolina, or Maryland because of the state’s defining tax structure: New Hampshire has no broad state income tax, no general sales tax, and funds nearly everything through property tax. The bill lands on your PITI line, not on your paycheck.

The rule: in New Hampshire, your max home price is about 3.1x your gross annual salary with 10% down, no other monthly debts, and today’s wholesale rates in a typical mid-tax-rate town. With 20% down and clean credit, push it to 3.7x. New Hampshire’s effective property tax rate averages 1.85% statewide — one of the four highest in the country — but it’s wildly variable: Carroll County (the Lakes Region) runs 1.06%, Sullivan County tops 2.38%, and your specific town’s rate matters more than the state average. The state’s consolation: homeowners insurance is among the cheapest in the nation at roughly $1,200/yr average.

What follows is the math, a salary-by-salary table for New Hampshire buyers, what the national calculators miss, and how to get a number you can offer on a home with.

Quick answer: Multiply your gross annual salary by 3.1 for a realistic New Hampshire max home price at 10% down in a typical-tax-rate town. Stretch to 3.7x at 20% down. The town you choose can swing your effective property tax rate from 1.06% (Carroll County / Lakes Region) to 2.38% (Sullivan County) — a $5,000+/yr difference on a $400K home. The Seacoast counties (Rockingham and Strafford) carry the high-cost conforming loan limit of $962,550 thanks to Boston-metro proximity; the rest of the state uses the $832,750 baseline.

On This Page

• How Much House Can I Afford in New Hampshire by Salary?
• How Much More House Do You Get With a Wholesale Broker Rate?
• How Do Lenders Actually Decide What You Can Afford?
• What Are the DTI Limits for Conventional, FHA, and VA Loans?
• Why Is Home Affordability Different in New Hampshire?
• How Does Your Down Payment Change What You Can Afford?
• What Do National Calculators Get Wrong About New Hampshire?
• What Are the Most Common New Hampshire Affordability Questions?
• How Do You Get a Real Affordability Number Instead of an Estimate?

How Much House Can I Afford in New Hampshire by Salary?

Assumptions: 30-year fixed at today’s wholesale conventional purchase rate (~5.75% as of May 2026, source: Mortgage News Daily), 10% down, New Hampshire property tax 1.85% effective (statewide typical; Carroll County / Lakes Region runs 1.06%, Sullivan County tops 2.38%, Hillsborough/Manchester-Nashua and Rockingham/Seacoast 1.7-2.1%), New Hampshire homeowners insurance ~0.30% of home value annually (among the lowest in the nation thanks to limited hurricane and wildfire exposure), no HOA, no other monthly debts, 28% front-end DTI cap. Four levers move your number in New Hampshire: rate, down payment, debts, and the town-level property tax rate on your specific assessment.

Two things to notice. The median New Hampshire household ($99,031) qualifies for about $308,000 of home, which lands at 55% of the statewide median home price of $560,000 — reachable in Coos County (median $196K), the North Country, parts of Cheshire and Sullivan, and the outer-ring Manchester/Concord suburbs. The Seacoast, the Lakes Region, the Upper Valley (Hanover/Lebanon), and the Boston-commuter towns in Rockingham and southern Hillsborough are where the numbers stop working on median income. And the 2026 conforming loan limit in New Hampshire is $832,750 baseline statewide, but jumps to $962,550 in Rockingham County and Strafford County — FHFA classifies the Boston-metro-adjacent Seacoast as high-cost. The full 2026 New Hampshire loan limits live on the /mortgage-new-hampshire/ page.

Run your exact numbers (your rate, your down payment, your town, your debts) in our New Hampshire mortgage affordability calculator. It’s tuned for the town-by-town property tax reality and the Seacoast high-balance conforming window, not national averages.

How Much More House Do You Get With a Wholesale Broker Rate?

The table above uses OnPoint’s current wholesale conventional purchase rate of ~5.75%. The national average retail rate reported by Mortgage News Daily is 6.67%. That 0.92% gap between what a retail bank quotes and what a wholesale broker can access doesn’t sound like much, until you see what it does to your max home price.

Same monthly payment, more house:

Or same house, lower monthly payment:

That’s not a marketing claim. It’s the math of the rate you’re offered. A retail bank quotes from one rate sheet: its own. A wholesale broker sends your file to 20+ wholesale lenders and brings you back the comparison. The rate that wins your file is almost always lower than the rate a single retail desk would have quoted, because wholesale lenders compete for your business in a way no retail bank ever will.

The median New Hampshire household earns $99,031 and qualifies for $21,000 more home at wholesale. Or it saves $305 a month on the same home, which is $109,800 the retail borrower pays that the wholesale borrower doesn’t. That’s the cost of not comparison-shopping.

How Do Lenders Actually Decide What You Can Afford?

Two ratios. That’s the whole game.

Front-end DTI (the 28% rule). Your total housing payment (principal, interest, property tax, homeowners insurance, HOA dues, condo fees, and mortgage insurance) cannot exceed roughly 28% of your gross monthly income. That’s PITI. It sets your max house price. In New Hampshire, the property tax line is where unexpected expense hides — the difference between a 1.06% Carroll County town and a 2.38% Sullivan County town is the difference between qualifying and not on the same income.

Back-end DTI (the 36% rule). Your total monthly debt (PITI plus car loans, student loans, credit-card minimums, child support, alimony) cannot exceed roughly 36% of your gross monthly income. This is where existing debt eats your house budget.

Each loan program sets its own DTI ceiling (the next section breaks them down). What doesn’t change across programs: when your back-end DTI is the binding constraint, every $100 of monthly debt costs you roughly $13,300 of house at today’s New Hampshire typical-town rates. Pay down a $500/mo car payment before you shop and you unlock roughly $67,000 more house on the same income.

The 3.1x rule isn’t magic. The 28% cap times 12 months equals 3.36 annual income worth of housing payments. Subtract New Hampshire’s tax-and-insurance overhead (about 2.15% of home value per year in a typical town, before HOA) and divide by the 30-year mortgage factor at today’s ~5.75% wholesale rate, and you land at home price = 3.1x gross income. If rates climb a full point to 6.75%, the multiplier compresses to ~2.8x. With 20% down and no PMI, it stretches to 3.7x. In a Lakes Region town like Wolfeboro or Meredith with 1.06% effective tax, the same math stretches to 3.7x at 10% down. In Sullivan County at 2.38%, it compresses to 2.7x. The town matters more than the state.

What Are the DTI Limits for Conventional, FHA, and VA Loans?

The 28/36 baseline is the textbook rule. The actual ceiling depends on which loan program is underwriting your file. Three programs cover the vast majority of New Hampshire purchases, and each has a different ceiling, which means the same income produces a different max house price depending on which loan you use.

Fannie Mae (Conventional)

• Front-end DTI: Not strictly enforced. 28% is the traditional benchmark guideline.
• Back-end DTI: Normally capped at 36%, but can go up to 45% with strong credit and reserve requirements. Under Fannie Mae’s Desktop Underwriter (DU) automated underwriting, the absolute maximum is 50% (source: Fannie Mae Selling Guide, Section B3-6-02, Debt-to-Income Ratios).

For New Hampshire buyers, the DU 50% ceiling is the lever that turns a “no” into a “yes” on Seacoast and Manchester-Nashua files where high-tax-rate towns push front-end DTI to 32%+. The stretch comes with conditions: 700+ FICO, 6-12 months of reserves, low LTV, clean housing history. Below those compensating factors, expect DU to cap you closer to 45%.

FHA (Federal Housing Administration)

• Front-end DTI: Officially set at 31%.
• Back-end DTI: Officially capped at 43%. The FHA’s TOTAL Scorecard automated underwriting approves DTIs of 50% to 57% when the borrower has strong compensating factors: high credit score, large cash reserves, residual income, or a documented history of carrying similar housing payments (source: HUD Handbook 4000.1, Section II.A.5.d, Qualifying Ratios).

FHA loans are heavily used in New Hampshire’s affordable markets (Manchester proper, Nashua, Concord outer ring, Claremont, Berlin, Conway, Coos County) because the higher DTI ceiling stretches qualifying income on lower-priced homes. NH Housing’s Home Flex Plus program pairs FHA/VA/USDA with 4% in forgivable DPA — one of the more generous combos in OnPoint’s nine-state series. The New Hampshire FHA loan limit follows the conforming ceiling at $524,225 baseline statewide and $962,550 in Rockingham/Strafford, so the program reaches further up the price scale than most NH buyers realize.

VA (Department of Veterans Affairs)

• Front-end DTI: None. The VA does not consider or require a front-end housing ratio.
• Back-end DTI: The VA generally prefers a back-end DTI of 41%. However, DTIs of 50% and higher are routinely approved when the borrower exceeds VA’s residual income standard by 20% or more, because VA underwrites primarily to residual income (the net monthly cash left after all obligations), not to DTI (source: VA Lenders Handbook 26-7, Chapter 4, Section 4.07, Income Analysis).

New Hampshire has about 90,000 veterans — smaller than other states but concentrated in the Seacoast (Portsmouth Naval Shipyard) and Manchester. VA loans require zero down payment, accept higher DTI than any other program, and don’t price-penalize jumbo loans inside VA limits. A VA-eligible buyer in New Hampshire can frequently afford 15-25% more house than the same buyer using a conventional or FHA loan on the same income — particularly valuable in the high-property-tax Manchester/Nashua/Rockingham markets where the no-PMI structure pairs with VA’s residual-income approach to absorb the property-tax DTI compression.

Why Is Home Affordability Different in New Hampshire?

National calculators use national averages. New Hampshire isn’t an average state. Five reasons the numbers move.

Property tax is among the four highest in the country. New Hampshire’s effective property tax rate averages 1.85% statewide — ranking #3 or #4 nationally depending on methodology, behind New Jersey, Illinois, and Connecticut. On a $500,000 home in a typical town, that’s $9,250/yr or about $770/month — the highest single PITI line item of any state in OnPoint’s license footprint. The variation is the story: Carroll County (Lakes Region) at 1.06%, Belknap at about 1.4%, Hillsborough (Manchester-Nashua) at 1.7-2.0%, Rockingham at 1.6-1.9%, Strafford at 1.8-2.1%, and Sullivan topping the chart at 2.38%. Pick the wrong town and you can pay $4,000-$6,000/yr more property tax on the same home value than a neighboring town one zip code away.

No state income tax, no general sales tax. New Hampshire has no broad state income tax (only a narrow interest-and-dividends tax, fully phased out in 2025) and no general sales tax. A $200,000 W-2 earner in Manchester keeps roughly $7,000-$9,000 more annually than the same earner in Massachusetts (5% flat) or Maryland (8% combined), $12,000-$14,000 more than in Virginia (5.75% top), and $18,000-$22,000 more than in California. DTI math runs on gross income; your life runs on net. The 28% cap is the same rule everywhere — New Hampshire’s take-home advantage means a Granite-Stater can live at the high property-tax PITI line more comfortably than the gross-income multiplier suggests. The state’s funding model trades paycheck headroom for property-tax exposure, which mostly favors buyers who put down roots.

Homeowners insurance is among the cheapest in the country. The average New Hampshire HOI premium is around $1,200/yr — roughly half the national average of $2,543. No hurricane exposure outside a narrow Seacoast windstorm zone, no wildfire-prone WUI, no widespread tornado alley. A $400,000 New Hampshire home insures for $1,000-$1,500/yr on the standard market in most towns; a similar home on the Seacoast within a mile of the Atlantic runs 20-50% higher. The cheap insurance partially offsets the high property tax in your PITI math.

Rockingham and Strafford are the only high-cost conforming counties. The 2026 conforming loan limit is $832,750 baseline statewide and $962,550 in Rockingham (Portsmouth, Exeter, Salem, Derry, Hampton, Dover-area edges) and Strafford (Dover, Rochester, Durham). FHFA classifies those two counties as high-cost because Boston-metro home values consistently exceed the threshold. Cross $832,750 anywhere else in New Hampshire (Belknap, Carroll, Cheshire, Coos, Grafton, Hillsborough, Merrimack, Sullivan) and you’re in the jumbo market. In Rockingham/Strafford, you have a $129,800 high-balance window before jumbo kicks in.

The MA-refugee premium is real. Rockingham, southern Hillsborough (Nashua, Hudson, Pelham), and the eastern Strafford towns have absorbed a steady stream of Massachusetts buyers seeking the no-income-tax, no-sales-tax structure and lower median home prices. That demand has compressed the regional supply and pushed Seacoast and Boston-commuter NH home prices up faster than statewide averages. The Lakes Region (Belknap, Carroll) has seen a separate second-home premium from MA, NY, CT, and NJ buyers. Coos County and the North Country, conversely, have been net out-migration markets — which is why a $196K median home is still findable there.

How Does Your Down Payment Change What You Can Afford?

The same buyer hits different max prices depending on how much they put down. The reason isn’t “less to borrow.” It’s that small down payments add mortgage insurance (PMI on conventional, MIP on FHA), and that monthly premium eats your front-end DTI cap — which in New Hampshire is already pressed by the country’s third-or-fourth-highest property tax.

3% down (conventional first-time buyer, or 3.5% FHA). Best for buyers conserving cash. PMI runs $80-$200/month per $100K borrowed. PMI drops off at 20% equity on conventional; FHA MIP stays for the life of the loan unless you refinance out. Lowest down payment, lowest max house price. Both Fannie Mae HomeReady and Freddie Mac Home Possible work alongside New Hampshire Housing’s state DPA programs.

5% down. A middle path. Less PMI than 3%, still preserves cash. Common for New Hampshire buyers using bank-statement programs or non-QM. This is also the tier where New Hampshire Housing’s Home Flex Plus stacks most cleanly — the state offers up to 4% in combined down-payment-and-closing-cost assistance as a second mortgage that’s fully forgivable after four years of owner-occupancy (unless you sell or refinance, in which case the balance becomes due). Home Flex Plus pairs with FHA, VA, or USDA first mortgages. Income cap: $176,200 (one of the more generous in any state). The conventional sibling, Home Preferred Plus, offers the same 4% forgivable DPA on a 97% conventional loan with reduced mortgage insurance below 80% AMI. NH Housing also offers a Community Heroes Initiative stackable for public-service occupations.

10% down. Where the 3.1x rule lands. PMI is smaller and drops off sooner. Most New Hampshire buyers without family help land here.

20% down. No PMI. Max house price climbs to ~3.7x salary. On a $500,000 New Hampshire home, that’s $100,000 in cash plus closing costs. This is where NH Housing’s 4% forgivable DPA becomes a real lever — combine a 16% buyer down payment with NH Housing’s 4% to land at a 20%-equivalent down position without the PMI line item, all while the second-mortgage forgives itself after four years if you stay in the home. That combo is structurally hard to beat at this price point.

The bigger point: in New Hampshire, your monthly payment moves more than your max house price across these tiers. Going from 5% to 20% down on a $560,000 home cuts PITI by $700-$900/month. That’s not from a smaller loan alone. It’s killing PMI and shrinking principal-and-interest at the same time.

What Do National Calculators Get Wrong About New Hampshire?

Run the same scenario through Zillow, NerdWallet, and our New Hampshire-tuned calculator. Zillow and NerdWallet quote you a max house price 12-22% higher than what a New Hampshire lender will actually approve in a typical town. Three reasons.

They use 1.0% national property tax. New Hampshire runs 1.85% effective statewide — nearly double. National calculators are off by $250-$500/month of phantom expense that’s very real in your real PITI, meaning the national calculator overestimates your max house price by $40,000-$80,000 on typical NH homes. The gap widens in Sullivan County (2.38%) and shrinks toward zero in the Lakes Region (1.06%).

They use 0.35% national homeowners insurance. New Hampshire actually runs about 0.30% — cheaper than the national average. That’s the rare case where the national calculator UNDERESTIMATES your max house price slightly. It buys back maybe $5K-$15K of headroom against the property-tax overestimate, but doesn’t close it.

They miss town-by-town tax variation. National calculators pull a state-average rate that’s wrong for almost every individual NH town. The town of Charlestown bills at $36.54 per $1,000 of assessed value; Hart’s Location bills at $2.62. National calculators treat every NH purchase the same. Local lenders pull the actual town rate from the NH Department of Revenue Administration table and quote PITI off the real number.

Worked example. Buyer at $200K NH salary, 10% down, today’s wholesale rate, Manchester (Hillsborough County, ~1.95% effective). National calculator: about $670,000. New Hampshire-tuned math: about $605,000. The $65,000 gap is the property-tax difference the calculator never modeled. Same buyer in Wolfeboro (Carroll County, 1.06% effective)? NH-tuned math: about $720,000. The same income, two towns, $115,000 of max-house-price difference — entirely from the property tax line.

What Are the Most Common New Hampshire Affordability Questions?

Can I afford a $300K house on a $75K salary in New Hampshire?

Tight but workable in the right town. A $75K NH salary at 10% down qualifies for roughly $234,000 in a typical-tax-rate town. In the Lakes Region (Carroll County at 1.06%), the same $75K stretches to about $278,000. Stretching to $300K on $75K takes either 20%+ down (~$60K cash), zero other debts, top-tier credit, or NH Housing’s 4% Home Flex Plus DPA plus an FHA loan with DU compensating factors. In the affordable NH metros (Manchester proper, Berlin, Conway, Claremont, Coos County’s remaining inventory, parts of Cheshire and Sullivan’s lower-cost towns), $300K homes still exist. With FHA at 3.5% down, a 640+ FICO, and Home Flex Plus covering closing costs and most of your down payment, the math gets workable.

What salary do you need to afford a $400,000 house in New Hampshire?

About $128,000 in gross income at 10% down, today’s ~5.75% wholesale rate, no other debts, in a typical-tax-rate NH town (1.85% effective, 0.30% insurance). Add $400/mo of car-and-card debt and you need closer to $144K. In Sullivan County (2.38% effective), the same $400K home requires $140K+ gross. In Carroll County (1.06% effective), you can swing it on about $110K. $400K homes in NH today live across most of Hillsborough’s outer suburbs (Bedford, Goffstown, Amherst, Litchfield), Merrimack County (Concord proper, Bow, Hooksett), Strafford outside Dover-Durham, the Conway/North Conway area, parts of the Lakes Region, and Cheshire County. Conforming, no jumbo penalty.

How much house can I afford in New Hampshire with a $200,000 salary?

About $623,000 at 10% down in a typical-tax-rate NH town, today’s ~5.75% wholesale rate. With 20% down, climb to about $735,000. In a Lakes Region town (Carroll County 1.06%), the $200K stretches to about $720,000 at 10% down. In Manchester or Nashua at 1.95% effective, drops to about $590,000. At $623K you’re still under the $832,750 baseline conforming limit and the $962,550 Rockingham/Strafford limit. The $200K-salary tier puts you in target range for Bedford, Hollis, Amherst, Hanover (Upper Valley), Hopkinton (Concord-area), Portsmouth’s outer ring, North Conway, Wolfeboro, Meredith, and the Hampton Beach/Rye Seacoast.

How much do I need to make to afford a $500,000 house in New Hampshire?

About $161,000 in gross income at 10% down in a typical-tax-rate town, or about $136,000 at 20% down. In Carroll County (Lakes Region 1.06%), drops to about $139K at 10% down. $500K homes are the entry point to most of Rockingham’s Seacoast towns, Bedford and Hollis (Hillsborough), the Concord-area upmarket towns (Bow, Hopkinton, Canterbury), the Hanover/Lebanon Upper Valley, and the desirable Lakes Region towns. Still under the $832,750 conforming loan limit, no jumbo penalty anywhere in New Hampshire.

I make $100,000 a year. How much house can I afford in New Hampshire?

About $311,000 at 10% down in a typical-tax-rate town. With 20% down and no other debts, push to about $365,000. If your $100K is W-2 with strong job tenure and $25K+ in reserves, some lenders will stretch back-end DTI to 45-50% and get you to $365K-$390K. The good news: $311K covers a meaningful slice of New Hampshire. The median home price across Coos County, Berlin, Claremont, parts of Cheshire and Sullivan, the North Country, and Manchester proper sit at or below that line.

Should I buy at my maximum approval amount?

No. Your maximum approval is the lender’s risk tolerance, not your life budget. The lender doesn’t price your retirement contributions, your kids’ activities, your car maintenance, your future vacations, or the year you took a pay cut. Most New Hampshire households should target 75-85% of the lender’s max approval. Buying at 100% of max is how new homeowners describe themselves as house-poor 18 months later — particularly in New Hampshire, where property tax bills are reassessed every five years (or sooner when the town runs a revaluation), and an unexpected reassessment can push your monthly PITI up by $200-$400 with no warning beyond the late-year town notice.

How Do You Get a Real Affordability Number Instead of an Estimate?

Calculators get you in the ballpark. Two things get you a number you can offer on a home with.

Pre-approval, not pre-qualification. Pre-qualification is a 5-minute self-reported estimate. Useless. Pre-approval is a real underwriter reviewing your real W-2s, real tax returns, real credit pull, real assets, and real debts, then issuing a written letter you can submit with an offer. In a New Hampshire seller’s market — Rockingham’s Seacoast, Bedford, Hanover/Lebanon Upper Valley, and the upmarket Lakes Region especially — a listing agent reads your pre-approval letter before they read your offer. A pre-qualification letter gets your offer thrown out.

A wholesale broker pulls a more accurate number than a retail bank. A bank’s pre-approval reflects what that bank will lend you (one underwriting box). A wholesale broker submits your file to 20+ wholesale lenders and brings back the comparison: which lender stretches DTI hardest for your scenario, which has the best high-balance conforming pricing if you’re crossing the $832,750 line in Rockingham or Strafford, which has the deepest MA-commuter file experience for southern NH borrowers crossing the state line for work, which competes hardest on NH Housing DPA pairings. The pre-approval number you carry into your house hunt should be the best of those 20, not the first one you got.

That’s what we do at OnPoint Mortgage Pro. New Hampshire-licensed (alongside California, Colorado, Florida, Idaho, Maryland, South Carolina, Texas, and Virginia), headquartered in Irvine, serving New Hampshire buyers and homeowners across Manchester, Nashua, the Seacoast (Portsmouth, Exeter, Dover), Concord, the Lakes Region (Laconia, Wolfeboro, Meredith), the Upper Valley (Hanover, Lebanon), North Country (Conway, Lincoln), and every market in between. We don’t sell one bank’s loan. We shop your file across the wholesale market and bring you the comparison sheet. The pre-approval number that lands on your phone is the one that wins for your scenario, not the one a retail loan officer happened to pull.

Model your scenario in our New Hampshire mortgage affordability calculator, then tell us what you’re trying to buy and we’ll send your file to 20+ wholesale lenders simultaneously. Or call us directly at (877) 870-0007. The comparison sheet comes back with the lowest total cost on a New Hampshire loan we re-verify is still the best one all the way to funding.

Ask any New Hampshire broker what your pre-approval number would be at their best 5 lenders, side by side. If they can only quote one, walk. Call us at (877) 870-0007 and we’ll show you the sheet.

See Also: Affordability in Other Licensed States

• How Much House Can You Afford in California? — CA multiplier: 3.3x at 10% down.
• How Much House Can You Afford in Texas? — TX multiplier: 2.9x at 10% down.
• How Much House Can You Afford in Florida? — FL multiplier: 3.0x inland, 2.5x coastal.
• How Much House Can You Afford in Virginia? — VA multiplier: 3.4x at 10% down with NoVA high-balance window.
• How Much House Can You Afford in Colorado? — CO multiplier: 3.3x Front Range, 2.5x WUI.
• How Much House Can You Afford in South Carolina? — SC multiplier: 3.5x inland (highest in series), 3.0x coastal.
• How Much House Can You Afford in Maryland? — MD multiplier: 3.4x at 10% down with Baltimore-City-vs-county property tax divide.
• How Much House Can You Afford in Idaho? — same analysis tuned to Idaho’s 0.43% effective property tax (tied with CO for lowest in our series), the wildfire-WUI insurance crisis, 5.3% flat state income tax, Teton County’s Jackson-Hole-spillover high-cost conforming window, and IHFA’s repayable second-mortgage DPA up to 8% of sales price. ID multiplier: 3.6x at 10% down in Treasure Valley (highest 20%-down multiplier in our series at 4.3x), 2.8x in WUI zones.

This completes the affordability breakdown for all nine states OnPoint Mortgage Pro is licensed in.

Victor Santos, NMLS #888844, is a Senior Loan Officer and licensed mortgage broker serving New Hampshire buyers and homeowners. OnPoint Mortgage Pro (NMLS #2134550) is licensed in California, Colorado, Florida, Idaho, Maryland, New Hampshire, South Carolina, Texas, and Virginia. The affordability examples on this page use representative market assumptions as of May 2026 for illustration; your actual qualifying amount depends on your specific rate, credit, down payment, debts, property location, town property-tax rate, town revaluation cycle, and lender. Rates change daily. See today’s rates or call (877) 870-0007 for a current quote. Run your scenario through our New Hampshire mortgage affordability calculator or contact us for a written pre-approval. Equal Housing Lender.