The government has a sponsored program that can assist lower-income households purchase a home with a low or even no down payment. One of my favorites is the Rural Development Loan program. 
Rural Development Loans are available in these New Hampshire communities: Amherst, Bedford, Brookline, Hollis, Lyndeborough, Mason, Mont Vernon, New Boston, and Wilton. For a full list of New Hampshire towns, and income requirements, read the FACT SHEET.
The ineligible area list for NH is far smaller: Concord, Derry, Hudson, Keene, Nashua, Londonderry, Manchester, Merrimack, Portsmouth, Rochester, Salem, parts of Goffstown and Hooksett.
Not all lenders can do Rural Development loans. Contact me for more information.
More information:
Federal Site: http://www.rurdev.usda.gov/rhs/
Local NH/VT office: http://www.rurdev.usda.gov/vt/
State by State: http://www.topnhhomes.com/FinanceAgencies
-Just my thoughts.
Jenn
www.TopNHhomes.com
www.JACoteAppraisals.com
*Information is from the rural development government websites listed above. I am not a mortgage professional. This is for informational purposes only and you should do your own due-diligence. Contact me and I can guide you to the appropriate resources.
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