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.
- Transfer tax
- 0.75%
- customarily split-paid
- Recording fee (deed)
- ~$12
- a flat fee per document
- Title insurance
- filed
- ~$4.00 / $1,000
- Attorney at closing
- Not required
New Hampshire in the national transfer-tax dataset
0.75%, #7 of 51 nationally; at $400,000, that is $2,360 above the median $640 tax at $400,000. The comparison uses the 51 source-verified state and DC records in the TallyClose dataset; null transfer-tax states count as 0% rather than being filled with an estimate.
- National rank
- #7 of 51
- highest state transfer-tax rate first
- Median-state tax at $400,000
- $640
- New Hampshire: $3,000
- County coverage
- 0
- 0 with a city-tax field
New Hampshire transfer-tax data: official source linked on this page, reviewed 2026-Q2.
How closing costs work in New Hampshire
The biggest closing-cost variable in New Hampshire is the real-estate transfer tax, which here is 0.75% and is customarily split-paid. New Hampshire's Real Estate Transfer Tax (RETT) is $0.75 per $100 (0.75%) paid separately by the BUYER and by the SELLER — each party independently owes 0.75% on their own return (RSA 78-B:1 and 78-B:4). The combined economic burden is 1.5% of the sale price, but each party reports and pays their own half. The $25 minimum is the floor tax amount per return, not a recording fee; recording fees are set by each county register of deeds and are typically $10–$15.
On a $400,000 home, the state-level transfer tax works out to roughly $3,000 , before any county or city add-ons. County recording fees are a flat fee per document and run around $12 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 does not require an attorney at closing — a title or escrow company typically handles settlement, though you can hire an attorney if you want one. 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; § 78-B:4. Official source ↗
New Hampshire closing cost calculator
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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 (0.75%, customarily split-paid), county recording fees (a flat fee per document, around $12), and title insurance. New Hampshire does not require an attorney at closing. Use the calculator above for your price.
What is the transfer tax in New Hampshire?
New Hampshire's real-estate transfer tax is 0.75% and is customarily split-paid. New Hampshire's Real Estate Transfer Tax (RETT) is $0.75 per $100 (0.75%) paid separately by the BUYER and by the SELLER — each party independently owes 0.75% on their own return (RSA 78-B:1 and 78-B:4). The combined economic burden is 1.5% of the sale price, but each party reports and pays their own half. The $25 minimum is the floor tax amount per return, not a recording fee; recording fees are set by each county register of deeds and are typically $10–$15.
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?
No. New Hampshire does not require an attorney at closing; a title or escrow company typically handles settlement. You may still choose to hire one.
Closest transfer-tax comparisons
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