New Hampshire closing cost calculator

The September 2026 reading for a typical New Hampshire home is $510,937, taken from the Zillow Home Value Index Our figure became $511,000 after rounding, with $102,200 down and a $408,800 loan. Closing costs for the buyer would total $13,241, about 2.6% of the sale price. You would need $115,441 in cash at the closing table.

To arrange your loan, the lender charges an origination fee. The days between the closing date and the first mortgage payment set for you fall under prepaid interest.

Before agent commission or the payoff of the seller's mortgage, the seller would pay $3,833 in this example. Change the sale price and the numbers change; the calculator does the math in seconds.

On the sale price, the state charges a 1.5% transfer tax, which buyer and seller usually split evenly. According to the New Hampshire Department of Revenue, each side pays $0.75 for every $100 of the sale price.

To settle the tax, buyers and sellers buy stamps from the county register of deeds where the property is located. Official property records are kept by the register, which also attaches the stamps to the deed before recording it. Online filings and payments are also accepted by the state's Granite Tax Connect portal

Once the deed is recorded, buyer and seller have 30 days to submit the Declaration of Consideration and Form PA-34 Inventory of Property Transfer. Add the 30-day date to your calendar after the deed is recorded, and the paperwork becomes one less thing to think about.

A sale of $400,000 would produce a total tax of $6,000. That makes New Hampshire the second of the 36 states, including DC, that charge this kind of tax.

A sale price of $4,000 or less means a minimum tax applies. The buyer pays $20; the seller pays $20 as well. The tax doesn't apply to some transfers. Property moving between spouses after a final divorce or nullity decree is one example; so is property passing by will, intestate succession, or when a joint tenant dies. Intestate succession means that under state law, property goes to relatives when a person dies without a will.

See the full 1.5% tax and what each party owes by entering your sale price. Each side owes $3,000 on a $400,000 home. About $3,833 is owed by each side on a $511,000 home. The calculator lists the transfer tax with the other closing costs, so one summary shows the whole amount.

Home prices vary widely across the state, and closing costs change along with them. With 20% down and no commission, buyer closing costs range from $7,885 to $19,312.

Typical New Hampshire home values range from $346,835 in the lower-priced third to $764,862 in the higher-priced third.

The New Hampshire Insurance Department says each insurer files its own rates; premiums vary, so you can shop around. With this coverage, you are protected against problems about who legally owns the property. Generally, lenders ask for a lender's policy, while you decide whether to get an owner's policy.

Recording at the register of deeds starts at $10 for the first recorded page of each document, and each page after that adds $4. A $25 surcharge applies to every deed under RSA 478:17-g. Our calculator has no recording line for New Hampshire, so you must add these charges yourself.

Across the country, the average buyers' agent charge is 2.42% of the sale price, according to Redfin. This cost is included only after you input a rate.

Besides closing costs, property taxes add a yearly cost. The median yearly bill for owner-occupied New Hampshire homes is $6,667, roughly 1.66% of median home value, based on US Census data.