New Hampshire closing cost calculator

New Hampshire buyers pay 0.75% of the price in transfer tax, the same as the seller. There’s no mortgage tax.

New Hampshire’s rules checked September 30, 2026Runs in your browser. Nothing you type is saved.

State Closing date

New Hampshire: Real estate transfer tax: 1.5% of the price, and buyer and seller usually split it. Owner’s title is usually paid by the buyer.

Purchase price

$

The loan

Loan type

Down payment

Interest rate

%

Term

Estimated cash to close $104,582

2.7%closing costs

Purchase price$460,000
Down payment (20%)$92,000
- Loan amount$368,000
Loan costs+$4,380
- Origination and lender feesest.+$3,680
- Appraisalest.+$700
Title and closing+$2,960
- Lender’s title insuranceest.+$500
- Owner’s title insuranceest.+$1,610
- Settlement or escrow feeest.+$600
- Recording feesest.+$250
Taxes−$810
- Real estate transfer tax (half)+$3,450
- Property tax credit from the sellerest.−$4,260
Prepaids and escrow+$5,602
- Homeowner’s insurance, first yearest.+$2,300
- Prepaid interest (27 days)est.+$1,769
- Property tax escrow (3 months)est.+$1,150
- Insurance escrow (2 months)est.+$383
Other costs+$450
- Home inspectionest.+$450
Cash to close$104,582

Estimated monthly payment$2,901

Principal and interest$2,326
Mortgage insurance$0
Property taxes$383
Insurance$192
HOA dues$0

An estimate, not a Loan Estimate or Closing Disclosure. Your lender's Loan Estimate and the title or escrow company give the final figures. Rates, fees and insurance vary by lender and property.

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A New Hampshire purchase, worked out

The calculator opens on $460,000, about the median value of an owner-occupied home in New Hampshire ($458,800, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $104,582: $92,000 down and $12,582 in closing costs, 2.7% of the price. New Hampshire’s taxes on the buyer come to $3,450 of that: real estate transfer tax (half) $3,450. The monthly payment comes to about $2,901, with property tax and insurance.

Cash to close on $460,000, 20% down
Down payment	$92,000
Origination and lender feesest.	+$3,680
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Owner’s title insuranceest.	+$1,610
Settlement or escrow feeest.	+$600
Recording feesest.	+$250
Real estate transfer tax (half)	+$3,450
Property tax credit from the sellerest.	−$4,260
Homeowner’s insurance, first yearest.	+$2,300
Prepaid interest (27 days)est.	+$1,769
Property tax escrow (3 months)est.	+$1,150
Insurance escrow (2 months)est.	+$383
Home inspectionest.	+$450
Cash to close	$104,582

Estimates are tagged “est.”; New Hampshire’s taxes follow its rules. A “−” is a credit, like the seller’s share of this year’s property tax where it’s paid after the year ends.

At other prices

New Hampshire has no state tax of its own on the buyer. The buyer usually pays half the real estate transfer tax. Each row has 20% down on a conventional loan.

Price	New Hampshire’s buyer taxes	Closing costs	Cash to close	Monthly payment
$250,000	$1,875	$8,272	$58,272	$1,597
$500,000	$3,750	$13,460	$113,460	$3,153
$750,000	$5,625	$19,100	$169,100	$4,730
$1,000,000	$7,500	$24,800	$224,800	$6,307
$2,000,000	$15,000	$47,599	$447,599	$12,613

Buying in New Hampshire: what to know

No buyer’s taxes

New Hampshire buyers pay their own 0.75% share of the transfer tax. There’s no mortgage tax.

Real estate transfer tax

New Hampshire’s real estate transfer tax is $0.75 per $100 of the price charged to the buyer and $0.75 to the seller, for 1.5% in total. On a $400,000 sale each side pays $3,000. The minimum is $20 when the price is $4,000 or less.

Title insurance

The buyer customarily buys the owner’s policy in New Hampshire.

Who runs the closing

Attorneys often act as closing agents in New Hampshire, but an attorney isn’t required, and title companies close many sales.

Property taxes and escrow

New Hampshire property tax is set by each town. The tax year runs April 1 to March 31 with two bills, an estimated first bill and a final second bill, and the proration depends on what has been billed and paid by closing.

Buying in New Hampshire: questions

How much transfer tax does a buyer pay in New Hampshire?

0.75% of the price, the buyer’s half of the 1.5% total. On a $400,000 home that is $3,000.

Who pays for title insurance in New Hampshire?

The buyer customarily pays for the owner’s policy in New Hampshire.

Do I need an attorney to buy in New Hampshire?

No. Attorneys often act as closing agents, but title companies close many New Hampshire sales.

How much are closing costs in New Hampshire?

On a $460,000 home with 20% down on a conventional loan, the calculator’s estimates put a New Hampshire buyer’s closing costs at about $12,582, or 2.7% of the price, and cash to close at $104,582. New Hampshire’s taxes on the buyer come to $3,450 of that: real estate transfer tax (half) $3,450. Lender fees, insurance and the rate vary, so put in your lender’s Loan Estimate for a closer number.

Is anything I type saved?

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