Closing Cost Calculator for New Hampshire

Closing Costs in New Hampshire

Buyers in New Hampshire typically pay around $4,100 in total closing costs. 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.

What's Included in New Hampshire Closing Costs?

• Transfer & recording taxes: 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.
• Lender fees: Origination, underwriting, and processing fees — typically 0.5–1% of the loan amount regardless of state.
• Title insurance: Owner's and lender's policies, required in most New Hampshire transactions.
• Prepaid items: First year homeowner's insurance premium, prepaid property tax escrow, and prepaid interest.
• Escrow/attorney fees: New Hampshire typically uses attorneys to close real estate transactions.

Home Values & Loan Context

With a median home value of $450,000 in New Hampshire, a 10% down payment buyer would borrow around $405,000. The conforming loan limit is $726,200 — Rockingham and Strafford counties may qualify for high-cost treatment in certain years. Most NH counties are at the standard conforming limit.

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