New Hampshire Closing Costs Calculator
How much are closing costs in New Hampshire?
New Hampshire splits its Real Estate Transfer Tax between buyer and seller: each side pays $0.75 per $100 of the sale price, or 0.75% apiece. Enter your numbers to see your side’s estimated total, including the other usual NH closing costs.
Buying in Massachusetts or Maine instead? Use the Massachusetts closing costs calculator or the Maine closing costs calculator.
The NH Transfer Tax rate is set by RSA 78-B ($0.75 per $100 for each side, $20 minimum per side). Title insurance, attorney, recording, and inspection figures are estimates based on typical New Hampshire ranges. Actual costs vary by transaction, lender, and chosen vendor. For your specific scenario, talk to GoldCoast, licensed in New Hampshire (NH Banking Department #8303-MBR).
How much are closing costs in New Hampshire?
For most New Hampshire buyers, closing costs run about 2 to 4 percent of the sale price. On a $500,000 purchase that is roughly $15,000, with title insurance, lender fees, escrow prepaids, and the buyer’s half of the state Transfer Tax as the biggest lines. Sellers get off lighter, usually around 1 percent, dominated by their own half of the Transfer Tax.
How the New Hampshire Transfer Tax works
New Hampshire charges a Real Estate Transfer Tax of $0.75 per $100 of the sale price, paid by each side, for a combined $1.50 per $100. That works out to 0.75% for the buyer and 0.75% for the seller, with a $20 minimum per side. Unlike Massachusetts, where the Deed Excise Tax falls entirely on the seller, New Hampshire’s buyers share the tax load equally. There is no state income tax and no general sales tax in New Hampshire, and the transfer tax is one place the state makes some of that back.
What else New Hampshire buyers pay at closing
Beyond the transfer tax, NH buyers pay for title insurance (the lender’s policy is required, the owner’s policy is optional but usually wise), lender fees for origination, appraisal, and credit, prepaid escrows for property tax and homeowner insurance, a home inspection, attorney fees (New Hampshire is an attorney-closing state), and recording fees. The calculator above itemizes each line so you can see where the money goes.
How to read your number
The total is a planning estimate built from typical New Hampshire ranges, not a quote. The number a lender is actually bound by is the Loan Estimate they issue after you apply. GoldCoast is an independent mortgage broker licensed in New Hampshire (NH Banking Department #8303-MBR), based just over the border in Beverly, Massachusetts. We help buyers across southern New Hampshire finance homes with lenders competing for their file, and we can start with a free pre-qualification conversation, no pressure and no cost.
Related guides at GoldCoast
- All mortgage calculators: the full suite of tools
- Massachusetts mortgage calculators: MA-specific tools
- New Hampshire mortgage calculators: NH-specific tools
- Maine mortgage calculators: ME-specific tools
- Massachusetts closing costs calculator: the MA Deed Excise version of this tool
- Maine closing costs calculator: the Maine transfer-tax version of this tool
- First step to buying a home: start your conversation with GoldCoast