VA Loan Calculator for New Hampshire (NH) — Free Calculator

VA Loans in New Hampshire

VA loans allow eligible veterans and active-duty service members to buy a home in New Hampshire with no down payment. On the median New Hampshire home of $450,000, that's the full $450,000 financed — no down payment required.

VA Loan Limits in New Hampshire

Veterans with full entitlement have no VA loan limit. The conforming limit of $726,200 in New Hampshire is relevant only for veterans with reduced entitlement. Rockingham and Strafford counties may qualify for high-cost treatment in certain years. Most NH counties are at the standard conforming limit.

VA Funding Fee

Most VA borrowers pay a one-time VA funding fee: 2.15% for first use with no down payment (1.5% with 5%+ down). On a $450,000 loan, the funding fee is approximately $9,675. Veterans with service-connected disabilities are exempt.

Property Taxes in New Hampshire

VA loans don't change your property tax obligation. New Hampshire's effective rate is 1.93%, adding ~$724/month to your VA PITI payment.

Data: Tax Foundation (2024), US Census Bureau ACS 2023, Zillow, ATTOM Data Solutions. Updated 2024–2025. Figures reflect state averages — consult a licensed professional for personalized advice.

Frequently Asked Questions

Can I use a VA loan in New Hampshire?

Yes. VA loans are available in all states including New Hampshire. Eligible veterans and service members can buy the median New Hampshire home ($450,000) with no down payment.

What is the VA loan limit in New Hampshire?

Veterans with full entitlement have no loan limit. For those with reduced entitlement, the baseline conforming limit of $726,200 applies. Rockingham and Strafford counties may qualify for high-cost treatment in certain years. Most NH counties are at the standard conforming limit.

How much is the VA funding fee in New Hampshire?

For a first-use VA loan with no down payment, the funding fee is 2.15% of the loan amount. On New Hampshire's median home of $450,000, that's approximately $9,675. Veterans with service-connected disabilities pay no funding fee.

What are closing costs on a VA loan in New Hampshire?

VA loans have lender-paid and buyer-paid closing costs. Buyers typically pay $4,100 in New Hampshire. New Hampshire charges a real estate transfer tax of $1.50/$1,000 of sale price, split equally between buyer and seller. While moderate, the state's high property values mean total closing costs can be substantial. Sellers can also contribute to closing costs.

VA Loan Calculator for New Hampshire

VA Loans in New Hampshire

VA Loan Limits in New Hampshire

VA Funding Fee

Property Taxes in New Hampshire

VA Loan Calculator for Other States

Frequently Asked Questions