One of the most common questions we hear from buyers and sellers is: “How much will closing cost me?” The answer depends on the purchase price, whether you’re buying or selling, and the type of financing — but this guide gives you a comprehensive breakdown of every closing cost in New Hampshire, so you arrive at the table without any surprises.
Buyer’s Closing Costs in New Hampshire
As a buyer in New Hampshire, expect to pay 2%–5% of the purchase price in closing costs. For a $350,000 home, that’s $7,000–$17,500. Here’s what’s included:
| Cost Item | Typical Range (NH) | Notes |
|---|---|---|
| Attorney / Closing Fee | $800 – $1,500 | Required by NH law; covers title exam, deed prep, closing conduct |
| Lender’s Title Insurance | $600 – $1,200 | Required by your lender; based on loan amount |
| Owner’s Title Insurance | $800 – $1,600 | Optional but strongly recommended; based on purchase price |
| NH Transfer Tax (Buyer’s Share) | $7.50 per $1,000 | Split equally with seller; NH RSA § 78-B |
| Recording Fees | $200 – $500 | Varies by county registry; per page recording fees |
| Home Inspection | $400 – $700 | Paid before closing; highly recommended |
| Appraisal Fee | $500 – $750 | Required by your lender; paid to appraiser |
| Prepaid Interest / Escrow | Varies | Days of interest + initial escrow deposit for taxes & insurance |
Seller’s Closing Costs in New Hampshire
Sellers in New Hampshire typically pay 7%–10% of the sale price in combined closing costs and real estate commissions. Key seller costs include:
- Real estate agent commission — typically 5%–6% of the sale price, split between buyer’s and seller’s agents
- NH Transfer Tax (Seller’s Share) — $7.50 per $1,000 of the sale price (NH RSA § 78-B)
- Attorney fees for deed preparation — $300–$600
- Mortgage payoff — outstanding balance plus per diem interest through the closing date
- Any negotiated seller concessions — closing cost credits to the buyer
New Hampshire Transfer Tax (RSA § 78-B)
New Hampshire imposes a real estate transfer tax under NH RSA § 78-B at a rate of $1.50 per $100 of the purchase price ($15 per $1,000). This tax is split equally between buyer and seller — each pays $7.50 per $1,000. For a $350,000 purchase, each party pays $2,625 in transfer taxes. The tax is collected at closing and remitted to the NH Department of Revenue Administration. Exemptions exist for transfers between family members, certain government conveyances, and other qualifying transactions.
Calculate Your Exact Closing Costs
Use our free closing cost calculator for an instant, detailed breakdown of your NH, MA, ME, CT, or VT transaction — including transfer taxes, title insurance, and attorney fees.
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Len Foy is the founder of Foy Law Office, PLLC and has practiced real estate law for over 25 years across New Hampshire, Massachusetts, Maine, Connecticut, Vermont, and California. He is admitted before the US Tax Court and is an authorized title insurance agent for First American Title and Old Republic National Title.