2026 limits · 10 counties
New Hampshire 2026 loan limits for duplexes, triplexes and fourplexes
In New Hampshire, the 2026 FHA limit for a fourplex runs from $1,041,125 to $1,851,100. 6 of 10 counties sit at the national floor; the highest is Rockingham County, Strafford County. The conforming limit, which caps a conventional loan Fannie Mae or Freddie Mac can buy, is $1,601,750 for a fourplex in most of the state and up to $1,851,100 in 2 high-cost counties.
Every county in New Hampshire
The limit caps the base loan, not the price. FHA's upfront premium can be added on top without counting against it. "High-cost" marks a county whose FHA limit is above the national floor.
| County | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| Belknap County Laconia, NH | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carroll County high-cost | $699,300 | $845,300 | $1,050,500 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cheshire County Keene, NH | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Coos County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grafton County Lebanon-Claremont, NH-VT | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hillsborough County high-cost Manchester-Nashua, NH | $755,250 | $912,900 | $1,134,550 | $1,066,250 | $1,288,800 | $1,601,750 |
| Merrimack County Concord, NH | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rockingham County high-cost Boston-Cambridge-Newton, MA-NH | $1,232,250 | $1,489,500 | $1,851,100 | $1,232,250 | $1,489,500 | $1,851,100 |
| Strafford County high-cost Boston-Cambridge-Newton, MA-NH | $1,232,250 | $1,489,500 | $1,851,100 | $1,232,250 | $1,489,500 | $1,851,100 |
| Sullivan County Lebanon-Claremont, NH-VT | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
How much building fits under the limit
With FHA's minimum 3.5% down, the base loan is 96.5% of the price. So the most you can pay and stay inside the limit is the limit divided by 0.965.
| Where | Duplex | Triplex | Fourplex |
|---|---|---|---|
| 6 counties at the floor | $718,186 | $868,082 | $1,078,886 |
| Rockingham County | $1,276,943 | $1,543,523 | $1,918,238 |
Put more than 3.5% down and the ceiling on price rises with it. Price is also only half of it: on a three- or four-unit building, FHA's self-sufficiency test often binds before the loan limit does. The calculator runs both against a county you pick.
VA and conventional in New Hampshire
Conventional loans use the conforming column. On a 2-4 unit home you live in, Freddie Mac's published maximum is 95% loan-to-value for a mortgage its automated system accepts, but 85% (two units) and 80% (three or four) for a "super conforming" loan above the baseline, and the same 85% and 80% for a manually underwritten one.
A veteran with full VA entitlement has no county limit. If some entitlement is still tied up in another loan, VA ties the guaranty to the one-unit conforming limit even for a fourplex: $832,750 to $962,550 in New Hampshire. The guaranty is 25% of that figure minus the entitlement already used.
Other states: all states and the county lookup.