Estimate closing costs for a home purchase or refinance in New Hampshire. The average closing cost in New Hampshire is $2,858 (0.63% of the loan amount) per LodeStar 2026.
Average closing costs in New Hampshire are $2,858, which sits above the national average of $2,207. Key cost factors in the state include both buyer AND seller each pay 0.75% transfer tax, attorney fees.
The average closing cost in New Hampshire is $2,858 (0.63% of the average loan amount of $330,622), according to LodeStar 2026 data. By comparison, the national average closing cost is $2,207 (0.67% of loan amount). Actual costs for your transaction will vary based on purchase price, down payment, lender fees, and local jurisdiction.
Yes, New Hampshire has a real estate transfer tax with a state rate of 0.75% of the property's purchase price. Both buyer AND seller each pay 0.75%; total 1.5% combined. Local counties and municipalities may impose additional transfer taxes depending on the property location.
Yes, New Hampshire is an attorney closing state, meaning a licensed attorney is required by law to conduct or directly supervise the real estate closing. Attorney fees typically add between $500 and $1,500 to your total closing costs and are generally paid by the buyer as part of third-party settlement fees.
No, New Hampshire does not charge a percentage-based mortgage recording tax on the loan amount. However, standard county recording and filing fees (typically flat fees ranging from $50 to $250) still apply to record the deed and mortgage documents in public land records.
Average closing costs in New Hampshire are $2,858, which is above the national average of $2,207. Key factors influencing closing costs in New Hampshire compared to the national average include: both buyer AND seller each pay 0.75% transfer tax, attorney fees. Shopping multiple lenders for origination and underwriting fees remains the most effective way for borrowers to reduce their overall closing costs.
This calculator provides estimates based on LodeStar 2026 statewide average closing cost data and is intended for planning purposes only. Actual closing costs vary by lender, transaction type, loan amount, property location, and current market conditions. Your lender is required to provide an itemized Loan Estimate within 3 business days of application under RESPA. This tool is not a substitute for a formal Loan Estimate or legal advice.