Housing (Housing Finance)

in committee · New Hampshire · House Jan 7, 2026

HB 604: relative to a loan forgiveness program for low-income homeowners to build new accessory dwelling units or renovate existing structures into accessory dwelling units.

HB 604 establishes a conditional loan forgiveness program for low-income homeowners in New Hampshire to build new accessory dwelling units (ADUs) or convert existing structures into ADUs. It targets homeowners with household incomes at or below 80% of the area median income (as defined by HUD), requiring them to maintain affordability - renting the ADU at rates not exceeding 30% of tenant income - for the loan term. Loans are forgiven if the ADU remains affordable, even if the property is sold (with rent caps transferable or a payoff required). The program, administered by the New Hampshire Housing Finance Authority, would use funds from the Affordable Housing Fund but requires new state appropriations for implementation.

Topics ✓ HousingSupports HousingCreates loan forgiveness for ADUs requiring affordability (≤30% tenant income), directly expanding low-income housing options through targeted funding and affordability mandates.95% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

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failed · New Hampshire · House Jan 8, 2026

HB 572: establishing the "partners in housing" program, an initiative under the housing champions fund to assist municipalities, counties, and developers in building workforce housing, and making an appropriation therefor.

HB 572 establishes the "Partners in Housing" program, a low-interest loan and grant program under the Housing Champions Fund to help municipalities, counties, and developers build workforce housing. The program prioritizes single-family starter homes, duplexes, small apartment buildings, and "missing middle housing" on municipally-owned land suitable for residential development, with $2 million of the $10 million total funding specifically allocated for this initiative. Municipalities can identify suitable public land for housing development, which would be added to a statewide list prioritized for program funding, and projects must include at least 20% affordable units for 20 years. The program also includes expedited review processes for qualifying projects to speed up development. The bill appropriates $10 million for the Housing Champions Fund, with $500,000 designated for program administration.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill allocates $10M in state funds (including $2M specifically) for workforce housing program under Housing Champions Fund, directly advancing state budget spending on public housing initiatives.95% confidence ✓ HousingSupports HousingEstablishes low-interest loans/grants for workforce housing development, prioritizes affordable housing types with $2M allocated from $10M fund.95% confidence

Sub-Topics Appropriations Affordable Housing Homeownership Housing Finance

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failed · New Hampshire · House Feb 5, 2026

HB 1661: relative to expanding the housing finance authority's community heroes program and makes an appropriation therefor.

HB 1661 expands New Hampshire's Housing Finance Authority's "Community Heroes" program to provide homeownership assistance to essential workers. It appropriates $750,000 for fiscal year 2027 and $1.5 million annually thereafter from the General Fund to fund the program, with no more than 10% allowed for administrative costs. The program specifically targets eligible workers in healthcare, childcare, elder care, law enforcement, firefighting, education, and active military service, allowing them to use funds for down payments, closing costs, or interest rate reductions. The bill requires the Housing Finance Authority to establish rules defining eligibility and takes effect July 1, 2028, for the annual appropriation.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill appropriates $1.5M annually from General Fund to fund homeownership assistance for essential workers, directly increasing public program funding.95% confidence ✓ HousingSupports HousingExpands homeownership assistance for essential workers via $1.5M annual funding, directly advancing affordable housing access through targeted financial support.95% confidence ✓ Labor & EmploymentSupports Labor & EmploymentTargets essential workers (healthcare, education, etc.) with homeownership assistance funding, expanding financial support for labor force stability.85% confidence

Sub-Topics Appropriations State Budget Homeownership Housing Finance

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signed · New Hampshire · House Jul 20, 2026

HB 1588: relative to the regulation of accessory parking for vehicles by local legislative bodies and multifamily housing within commercial districts by municipalities; establishing special assessment districts; and relative to expanding the housing infrastructure  municipal grant program and making an appropriation therefor.

HB 1588 establishes a process for cities and towns to create special assessment districts to fund infrastructure improvements (like roads, water, and sewer systems) directly tied to new housing developments. Municipalities can finance these projects through property assessments on benefiting parcels - collected over up to 20 years - without using general tax revenue. The bill also expands an existing state grant program to fund municipal infrastructure upgrades for new housing, with a $1 appropriation for fiscal year 2027. This directly affects municipalities planning new housing projects and property owners within designated districts who may face assessments based on their specific benefit from improvements.

Topics ✓ Budget & TaxesSupports Budget & TaxesExpands state grant program for housing infrastructure funding via targeted assessments, avoiding general tax revenue while advancing municipal fiscal management.90% confidence ✓ HousingSupports HousingBill enables new housing development by funding infrastructure via special assessments and expanded grants, directly advancing housing construction without general tax revenue.95% confidence ✓ TransportationSupports TransportationBill explicitly funds road infrastructure via special assessment districts for housing-linked upgrades, directly advancing transportation infrastructure as stated in summary.95% confidence

Sub-Topics Appropriations Revenue Housing Finance Property Taxes Zoning

failed · New Hampshire · House Feb 17, 2026

HB 1662: relative to providing loan guarantees for accessory dwelling unit financing.

HB 1662 requires New Hampshire's Housing Finance Authority (HFA) to offer loan guarantees for accessory dwelling unit (ADU) development. The bill directs the HFA to provide guarantees covering 80-100% of a loan amount based on the completed ADU's appraised value, with an annual cap of $100 million in total guarantees. It directly affects ADU developers and homeowners seeking financing, as well as approved lenders participating in the program. The bill appropriates $25,000 for administrative costs in fiscal years 2027 and 2028, funded from the General Fund.

Topics ✓ HousingSupports HousingProvides loan guarantees for ADU development, increasing housing supply and affordability. Directly funds housing development through HFA, aligning with support indicators.95% confidence

Sub-Topics Housing Finance Property Development Zoning

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failed · New Hampshire · Senate Jan 29, 2026

SB 471: relative to affordable housing investment fees.

SB 471 allows New Hampshire municipalities to impose fees on new developments (like subdivisions or buildings) that don’t meet local affordable housing requirements. These fees must be kept separate from general funds and spent *only* on affordable housing projects through specific entities like the NH Housing Finance Authority or local housing authorities. Fees are collected when planning approvals or building permits are issued, and municipalities must report annual spending. The bill requires fees to directly address local affordable housing needs without altering existing planning board authority.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill mandates fees collected from developers be exclusively spent on affordable housing projects, creating dedicated funding for essential public housing programs through specified entities.90% confidence ✓ HousingSupports HousingBill mandates fees on non-compliant developments to fund affordable housing exclusively through designated entities like NH Housing Finance Authority, directly advancing affordable housing investment.95% confidence

Sub-Topics Affordable Housing Housing Finance

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vetoed · New Hampshire · House Aug 19, 2026

HB 1726: relative to the sale of surplus state-owned land and establishing a commission to study the sale of state-owned property.

HB 1726 requires New Hampshire state agencies to identify surplus property suitable for affordable housing development and make it available to qualified developers at below-market rates. The bill mandates that at least 20% of housing units developed on such property must remain affordable to low- and moderate-income households for a minimum of 20 years, with legal restrictions ensuring this use. It also prioritizes municipal grant funding for communities collaborating with state agencies on identifying and rezoning eligible land. The bill does not provide new state funding but allows agencies to retain proceeds from property sales for one additional budget cycle. This directly affects state agencies, qualified housing developers, and low-to-moderate-income households seeking affordable housing.

Topics ✓ HousingSupports HousingMandates 20% affordable units for 20 years on surplus property, requiring state agencies to prioritize affordable housing development and enforce long-term affordability restrictions.95% confidence

Sub-Topics Affordable Housing Housing Finance Property Development

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failed · New Hampshire · House Feb 5, 2026

HB 1405: relative to the housing finance authority's affordable housing guarantee program.

HB 1405 establishes a program allowing New Hampshire's Housing Finance Authority to guarantee up to 80% of loans for affordable housing projects. This reduces risk for lenders financing housing where costs (rent/mortgage plus utilities/taxes) do not exceed 30% of residents' income, defined as 50-80% of state median income. The program limits annual guarantees to $30 million per lender and $300 million total statewide. It directly affects lenders, housing developers, and low/moderate-income residents seeking affordable homes.

Topics ✓ HousingSupports HousingBill creates loan guarantee program to fund affordable housing projects for low/moderate-income residents (50-80% median income), reducing lender risk to increase development and affordability.95% confidence

Sub-Topics Affordable Housing Housing Finance Mortgages

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failed · New Hampshire · House Feb 19, 2026

HB 1732: relative to housing accessibility and voucher allocation in new multi-unit developments.

HB 1732 requires new multi-unit housing developments (over 6 units) approved on or after January 1, 2027, to reserve 5% of units for residents eligible for federal housing vouchers and design another 5% of units to meet universal accessibility standards. This directly affects developers of new residential projects and impacts residents with disabilities, as well as individuals using federal housing vouchers. The bill mandates compliance monitoring by regional housing authorities and requires the state health department and housing finance agency to create informational resources for developers. It does not provide new state funding but estimates minimal costs for administrative support.

Topics ✓ HousingSupports HousingMandates 5% affordable units for voucher users and 5% accessible units in new developments, directly increasing affordable housing access and tenant protections for disabled residents.95% confidence

Sub-Topics Affordable Housing Housing Finance Tags People with Disabilities

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died · New Hampshire · House Mar 4, 2026

HB 1660: relative to municipal credit enhancement agreements and tax increment financing for priority housing development.

HB 1660 allows New Hampshire municipalities to use project-based credit enhancement agreements (CEAs) to incentivize specific housing developments without requiring a full tax increment financing (TIF) district. It directly affects municipalities and developers building qualifying housing projects, such as senior housing, skilled care facilities, workforce housing, or other community-identified housing needs. The bill clarifies that housing-related captured tax revenue will be excluded from equalized property valuation calculations, preventing towns from facing artificially inflated state tax bases. This change streamlines support for housing projects while excluding conversions of existing homes, luxury developments, or individually owned units like single-family homes. The law aims to address housing shortages by making municipal financial tools more accessible for housing-focused initiatives.

Topics ✓ Budget & TaxesSupports Budget & TaxesEnables municipalities to use tax increment financing for housing development, advancing fiscal tools for budget management and housing funding.90% confidence ✓ HousingSupports HousingEnables municipalities to incentivize affordable housing projects (workforce, senior) via CEAs without full TIF, advancing development through financial mechanisms.95% confidence

Sub-Topics Debt & Bonds Revenue Tax Incentives Affordable Housing Housing Finance Property Taxes

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