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Disclaimer: These are estimates only. Actual closing costs vary by lender, title company, state/county, and closing date. Your Loan Estimate (TRID) is the source of truth.
New Hampshire Closing Costs Breakdown
Closing costs in New Hampshire typically range from 2% to 5% of the purchase price. On a median-priced home of $440,000, buyers can expect to pay between $8,800 and $22,000 at closing. New Hampshire is notable for its high real estate transfer tax, which is split equally between buyer and seller and is one of the higher rates in New England.
Transfer Taxes & Fees
New Hampshire charges a real estate transfer tax of $0.75 per $100 of the sale price (1.5% total), split equally between the buyer and seller. Each party pays $0.375 per $100, or 0.75% of the sale price. On a $440,000 home, the buyer's share is $3,300 and the seller's share is $3,300. This is one of the highest split transfer taxes in the Northeast and significantly impacts the buyer's cash needed at closing.
Attorney Requirements
Yes, New Hampshire is an attorney-closing state. A licensed real estate attorney is required to perform the title search, issue a title opinion, and conduct the closing in New Hampshire. Attorney fees for residential closings typically range from $800 to $1,500. The attorney's title opinion is used in lieu of a title commitment from a title insurer in many New Hampshire transactions.
Local Quirks & Need-to-Know
New Hampshire is one of the few states with no general sales tax and no income tax on wages, which contributes to its relatively high home prices. Property taxes in New Hampshire are among the highest in the nation, averaging over 1.8% of assessed value, making property tax proration at closing a significant line item. The southern tier communities near Massachusetts have seen rapid price appreciation, and buyers should budget carefully for the full combination of transfer tax and attorney fees.