Closing Costs in New Hampshire (2026)

Buyers in New Hampshire typically pay 2% to 5% of the purchase price in closing costs — roughly $10,046 to $25,115 on a median-priced home around $502,300. Our itemized estimate, including lender fees, title work, government fees, and prepaid taxes and insurance, comes to about $19,293 (3.8% of the price) with 20% down at 6.75%.

The effective property tax rate in New Hampshire is approximately 2.03% of home value per year. On a median-priced home of $502,300, that works out to about $10,197 per year, or $850 per month. Several months of taxes are usually collected up front at closing to fund your escrow account.

Yes. New Hampshire’s 1.5% transfer tax is split evenly between buyer and seller. At that rate on a $502,300 home, the tax is roughly $7,535 — typically split 50/50 — the buyer's half is included in our estimate. Everything is negotiable in the purchase contract.

The 2026 conforming loan limit in most of New Hampshire is $832,750 for a one-unit home. Some high-cost counties go as high as $1,249,125. On a median-priced $502,300 home with 20% down, the loan is $401,840 — within the conforming limit in most counties. FHA limits also vary by county (2026 floor about $541,288).

With 20% down on a $502,300 home, plan for about $119,753 in total: $100,460 for the down payment plus roughly $19,293 in closing costs and prepaid items. A smaller down payment reduces the cash needed but adds PMI to your monthly payment.

On a median-priced $502,300 home with 20% down and a 30-year loan at 6.75%, the total monthly payment is about $3,602 — $2,606 in principal and interest, $850 in property taxes, and $146 in homeowners insurance.