Closing costs in New Hampshire
What a buyer or seller pays at the closing table in New Hampshire — the real transfer-tax rate, recording fees, title-insurance method and attorney rules, plus a calculator that uses New Hampshire's actual rates.
Estimated — not yet source-verified.Estimated — not yet source-verified. This figure is a knowledge estimate we have not yet confirmed against the official source, so this page is not indexed. Treat it as a rough guide only and verify with the state revenue department or county recorder.
- Transfer tax
- 1.5%
- customarily split-paid
- Recording fee (deed)
- ~$25
- a flat fee per document
- Title insurance
- filed
- ~$4.00 / $1,000
- Attorney at closing
- Required
How closing costs work in New Hampshire
The biggest closing-cost variable in New Hampshire is the real-estate transfer tax, which here is 1.5% and is customarily split-paid. Real estate transfer tax $0.75 per $100 each from buyer AND seller (1.5% combined).
On a $400,000 home, the state-level transfer tax works out to roughly $6,000 , before any county or city add-ons. County recording fees are a flat fee per document and run around $25 for the deed.
For title insurance, New Hampshire title-insurance rates are filed with the state and broadly similar between companies, though you can sometimes shop. New Hampshire is also an "attorney state": a licensed attorney must be involved in the closing, which adds an attorney fee that title-only states don't have. Lenders here typically charge $1,400–$3,200 in origination and processing fees, and 2 months of property-tax escrow is commonly collected at closing.
Statute: N.H. Rev. Stat. § 78-B:1.
New Hampshire closing cost calculator
Pre-set to New Hampshire. Adjust your price, down payment and loan type.
Estimated closing costs
$12,424
≈ 3.11% of the home price · excludes your down payment
Cash to close
$92,424
incl. down payment
Line-by-line breakdown
Frequently asked questions
How much are closing costs in New Hampshire?
In New Hampshire, buyer closing costs typically run about 2%–5% of the purchase price. The state-specific pieces are the transfer tax (1.5%, customarily split-paid), county recording fees (a flat fee per document, around $25), and title insurance. New Hampshire also requires an attorney at closing, which adds a fee. Use the calculator above for your price.
What is the transfer tax in New Hampshire?
New Hampshire's real-estate transfer tax is 1.5% and is customarily split-paid. Real estate transfer tax $0.75 per $100 each from buyer AND seller (1.5% combined).
Who pays closing costs in New Hampshire?
Both buyer and seller pay different items. The transfer tax in New Hampshire is customarily split-paid. Buyers generally cover lender fees, the appraisal, lender's title insurance and prepaids; sellers generally cover the agent commission and, in most states, the bulk of the transfer tax. Everything is negotiable in the contract.
Do I need an attorney to close in New Hampshire?
Yes. New Hampshire is an "attorney state" — a licensed attorney must conduct or oversee the real-estate closing, which adds an attorney fee to your costs.
Other states
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