New Hampshire seller net sheet calculator

New Hampshire charges $0.75 per $100 to both the buyer and the seller, so each side pays 0.75% and the total is 1.5%. The buyer customarily pays for the owner’s title policy.

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, usually paid by the buyer and seller together. Owner’s title is usually paid by the buyer.

Sale price

$

Mortgage payoff

$

Commissions

Listing agent

Buyer’s agent

Estimated net to seller $196,290

43%keeps

Sale price$460,000
Commissions−$25,300
- Listing agent commission (3%)est.−$13,800
- Buyer’s agent compensation (2.5%)est.−$11,500
Loans and liens−$230,000
- Mortgage payoff−$230,000
Title and closing−$700
- Settlement or escrow feeest.−$600
- Recording and release feesest.−$100
Taxes−$7,710
- Real estate transfer tax (half)−$3,450
- Property taxes (prorated)est.−$4,260
Net to seller$196,290

An estimate, not a closing statement. The title or escrow company and your lender provide the final figures, and the loan payoff comes from the lender's payoff statement. Commissions are negotiable.

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A New Hampshire sale, 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 a $230,000 mortgage payoff as an example. Commissions are whatever the seller agrees, so they’re left out here.

Before commissions and the payoff, the seller’s costs come to about $8,410, or 1.83% of the price, for a closing on December 5, 2026. New Hampshire’s transfer tax on a $400,000 sale is the 4th highest of the 35 states and DC that have one.

Seller’s costs on $460,000, before commissions and the payoff
Settlement or escrow feeest.	−$600
Recording and release feesest.	−$100
Real estate transfer tax (half)	−$3,450
Property taxes (prorated)est.	−$4,260
Total	−$8,410

Estimates are tagged “est.”; the rest follow the state’s rules.

The real estate transfer tax and title at other prices

Real estate transfer tax is 1.5% of the price, usually paid by the buyer and seller together. The owner’s policy below is an estimate; your title company’s quote will differ. The buyer usually pays for it here, so it isn’t in the seller’s costs above.

Sale price	Whole real estate transfer tax	Seller usually pays	Owner’s title policy
$250,000	$3,750	$1,875	$875est.
$500,000	$7,500	$3,750	$1,750est.
$750,000	$11,250	$5,625	$2,625est.
$1,000,000	$15,000	$7,500	$3,500est.
$2,000,000	$30,000	$15,000	$7,000est.

Selling in New Hampshire: what to know

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

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.

Selling in New Hampshire: questions

Who pays transfer tax in New Hampshire?

Both. New Hampshire charges $0.75 per $100 to the seller and $0.75 to the buyer, so each pays 0.75% of the price.

How much is the transfer tax on a $400,000 home in New Hampshire?

$6,000 in total, $3,000 paid by the seller and $3,000 by the buyer.

How are property taxes prorated in New Hampshire?

Each New Hampshire town bills an April-to-March year in two installments, and the proration follows what has been billed and paid at closing.

How much are seller closing costs in New Hampshire?

Leaving out commissions, which are whatever the seller agrees, and the loan payoff, a New Hampshire seller’s costs on a $460,000 sale come to about $8,410 with the calculator’s estimates and a December 5, 2026 closing: settlement or escrow fee $600, recording and release fees $100, real estate transfer tax (half) $3,450, property taxes (prorated) $4,260. Put in your own numbers above for a closer figure.

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