Mortgage lender in Hillsborough County, NH

Buying in Hillsborough County

Hillsborough County, whose county seats are Manchester and Nashua, also takes in Merrimack, Bedford, Goffstown, Hudson and Milford. Hillsborough County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in New Hampshire, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$589,950 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

title company or attorney

State housing agency

New Hampshire Housing (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Hillsborough County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Hillsborough County: Manchester and Nashua

Manchester and Nashua, the state’s two largest cities, have many two- and three-family homes and condominiums. Buying a multi-family home to live in follows owner-occupant rules, and rent from the other units can sometimes be counted. Bedford, Amherst and Hollis are higher-priced single-family towns.

Many buyers here work in Massachusetts, and that out-of-state income counts normally. New Hampshire has no sales tax and does not tax wages, and property taxes are correspondingly high and differ sharply from town to town, so we use the tax bill for the address. In the western towns, wells and septic systems are standard.

Hillsborough County by the numbers

Median home value

$421,100 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.66% of home value a year: median tax bill $6,999 on a median value of $421,100 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

75 cents per $100 of the price charged to the buyer and the same to the seller (RSA 78-B:1)

Largest communities

Manchester, Nashua, Merrimack, Hudson (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $421,100. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $589,950.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in New Hampshire

Closings in New Hampshire are typically handled by a title company or attorney. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the New Hampshire page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Hillsborough County buyers ask

Limits shown are the 2026 FHFA and HUD figures for Hillsborough County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.