Why does down payment vary across New Hampshire?

Home prices vary widely; a 12% down payment scales with the local median. Owner financing often accepts less.

Yes, owner-finance deals commonly land in the 10-20% range. Conventional underwriting usually wants 20% to avoid PMI.

Can I find lower-down options?

Browse low-down-payment homes by city, many owner-finance and lease-option deals sit under 10%.

Buyer authority NH

Estimated owner-finance down payment by city in New Hampshire.

Down payments scale with home prices but flex by financing type. This ranks New Hampshire cities by an estimated typical down payment on an owner-financed or low-down deal (12% of estimated median home value). This is a modeled directional comparison, not a survey of actual closings.

Last updated September 2026

New Hampshire ranking

42 cities ranked. Click any row for the matching local page.

#	City	Est. typical down payment	Score
1	Bedford	$84,700	15	View →
2	Hollis	$79,600	20	View →
3	Windham	$78,500	22	View →
4	Amherst	$77,800	22	View →
5	Merrimack	$74,500	26	View →
6	Bow	$73,800	27	View →
7	Salem	$72,700	28	View →
8	Hanover	$73,100	28	View →
9	Londonderry	$71,200	30	View →
10	Pelham	$70,600	30	View →
11	Litchfield	$70,600	30	View →
12	Hudson	$67,900	33	View →
13	Durham	$68,600	33	View →
14	Exeter	$67,400	34	View →
15	Weare	$67,600	34	View →
16	Nashua	$66,700	35	View →
17	Hampton	$66,200	35	View →
18	Barrington	$65,900	36	View →
19	Goffstown	$64,800	37	View →
20	Hooksett	$65,000	37	View →
21	Derry	$61,900	40	View →
22	Plaistow	$61,800	40	View →
23	Portsmouth	$60,700	41	View →
24	Manchester	$59,500	43	View →
25	Dover	$59,000	43	View →
26	Milford	$58,200	44	View →
27	Concord	$57,800	45	View →
28	Newmarket	$57,100	45	View →
29	Keene	$54,000	49	View →
30	Suncook	$53,200	50	View →
31	Lebanon	$53,200	50	View →
32	Raymond	$52,200	51	View →
33	Hillsborough	$51,700	51	View →
34	Rochester	$50,900	52	View →
35	Seabrook	$50,000	53	View →
36	Tilton	$49,400	54	View →
37	Laconia	$46,900	57	View →
38	Newport	$46,300	57	View →
39	Somersworth	$46,200	58	View →
40	Claremont	$39,000	66	View →
41	Franklin	$37,900	67	View →
42	Berlin	$36,000	69	View →

Methodology

Estimated down = 12% of estimated median home value (representative of owner-financed and low-down deals). Conventional loans typically require 20%; FHA can be 3.5%. Use as a directional comparison.

FAQ

Why does down payment vary across New Hampshire?: Home prices vary widely; a 12% down payment scales with the local median. Owner financing often accepts less.
Is 12% realistic?: Yes, owner-finance deals commonly land in the 10-20% range. Conventional underwriting usually wants 20% to avoid PMI.
Can I find lower-down options?: Browse low-down-payment homes by city, many owner-finance and lease-option deals sit under 10%.