Closing costs by state
Closing costs in New Hampshire
Closing costs in New Hampshire run about 2% to 5% of the price for a buyer, made of lender fees, title and settlement, recording, prepaid interest and escrow reserves; on a $400,000 home the worked example below comes to $14,555. New Hampshire charges a state transfer tax of $0.75 per $100 of price paid by the buyer and $0.75 per $100 paid by the seller, $1.50 per $100 combined (real estate transfer tax, RSA 78-B:1), about 1.5% of the price, and it is customarily split between buyer and seller.
Last verified ·Sources:gencourt.state.nh.us·revenue.nh.gov
The rules
What New Hampshire does differently
- State transfer tax
- $0.75 per $100 of price paid by the buyer and $0.75 per $100 paid by the seller, $1.50 per $100 combined (real estate transfer tax, RSA 78-B:1) (about 1.5% of the price at $400,000).
- Who pays it
- Split between buyer and seller.
- County and city add-ons
- None; no county or municipal transfer taxes.
- Attorney at closing
- In New Hampshire closings are customarily handled by an attorney rather than a title or escrow company, so budget an attorney fee.
- Owner’s title policy
- The buyer customarily pays for the owner’s title insurance policy in New Hampshire, along with the lender’s policy.
- Notes
- The statute imposes the tax on both sides: $3,000 each on a $400,000 sale. Minimum $20 each where the price is $4,000 or less.
- gencourt.state.nh.us — “The rate of the tax is $.75 per $100, or fractional part thereof, of the price or consideration for such sale, grant, or transfer”
- revenue.nh.gov — “The tax is imposed on both the buyer and the seller at the rate of $.75 per $100 of the price or consideration”
Worked example
A $400,000 home in New Hampshire, 20% down
Loan of $320,000 at 6.5%, closing on the 15th. Lender, title and recording figures are typical line items used for illustration, the same on every state page; the transfer tax and the owner’s policy side follow New Hampshire’s rules above. Not a quote: the calculator takes your own figures.
Buyer pays
| Loan origination, 1% of the loan | $3,200 |
| Appraisal | $550 |
| Title and settlement services | $1,800 |
| Lender’s title policy | $900 |
| Recording | $150 |
| Prepaid interest, 15 days at 6.5% | $855 |
| Escrow reserve, 3 months of tax at 1.1% | $1,100 |
| First year of homeowners insurance | $1,500 |
| Owner’s title policy (estimate) | $1,500 |
| Transfer tax, buyer’s share (0.75%) | $3,000 |
| Total (3.639% of price) | $14,555 |
Seller pays
| Commission, 5% | $20,000 |
| Title and escrow fees | $2,000 |
| Prorated property tax | $1,500 |
| Transfer tax, seller’s share (0.75%) | $3,000 |
| Total | $26,500 |
Questions
What people ask about New Hampshire
- Who pays the transfer tax in New Hampshire?
- New Hampshire charges a state transfer tax of $0.75 per $100 of price paid by the buyer and $0.75 per $100 paid by the seller, $1.50 per $100 combined (real estate transfer tax, RSA 78-B:1), about 1.5% of the price, and it is customarily split between buyer and seller.
- Do you need an attorney to close on a house in New Hampshire?
- In New Hampshire closings are customarily handled by an attorney rather than a title or escrow company, so budget an attorney fee.
- Who pays for the owner’s title policy in New Hampshire?
- The buyer customarily pays for the owner’s title insurance policy in New Hampshire, along with the lender’s policy.
- How much are seller closing costs in New Hampshire?
- On a $400,000 sale with a 5% commission, the worked example on this page comes to $26,500 for the seller, including $3,000 of transfer tax, before the mortgage payoff and any concessions or repairs. The seller net sheet calculator shows the walk-away figure.
Last reviewed September 8, 2026 by the EstatePass editorial team. Formulas and program limits are checked against the published rules; figures on this page are arithmetic, not market statistics.
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