New Hampshire's Real Estate Transfer Tax is unusual — it's charged to BOTH the buyer and the seller separately, $0.75 per $100 each, for a combined 1.5% of the sale price. This calculator shows both portions.
Transfer tax and deed-recording fee only — excludes title insurance, escrow, lender fees, and mortgage-recording fees.
| Buyer's RETT ($400,000 × 0.75%) | $3,000.00 |
| Seller's RETT ($400,000 × 0.75%) | $3,000.00 |
| Recording fee ($10 first page + $25 LCHIP) | $35.00 |
| Total included amount | $6,035.00 |
This is a tax-module example, not a complete settlement statement — title, escrow, lender, and mortgage-recording charges are not included. A county equipment surcharge of up to $2 requires county adoption and is excluded.
New Hampshire imposes RETT on both the buyer and the seller under RSA 78-B, each at $0.75 per $100 of the price or consideration. This is not a shared or split rate — each party independently owes the full $0.75-per-$100 amount, for a combined tax burden of 1.5% of the sale price. Most other states impose a single tax, usually on the seller; New Hampshire's dual structure is genuinely unusual nationally.
No authoritative source was found expressly negating every possible local overlay, so this is flagged as "not affirmatively proven negative" rather than a guaranteed absence — treat it as the best available finding, not a certainty.
Closing costs are the fees and charges required to finalize a real estate purchase, separate from your down payment and the home's purchase price. Beyond the New Hampshire transfer tax and recording fee calculated above, a typical closing includes a handful of other charges: a loan origination fee charged by your lender, an appraisal fee to confirm the home's value, a home inspection fee, a title search and title insurance premium (a lender's policy is required by most lenders, and an owner's policy is optional but recommended), an escrow or settlement agent fee, and prepaid items such as homeowners insurance and the property tax and mortgage interest your lender collects upfront into escrow. Which of these apply, and how much each one costs, depends on your lender, your loan program, and the title or escrow company handling your closing — this calculator covers only the government-charged transfer tax and recording fee shown above, not the full closing cost picture.
Several factors shape how much you'll actually pay at closing on a New Hampshire property, beyond the transfer tax and recording fee shown above. Loan type matters: FHA loans add an upfront mortgage insurance premium, VA loans add a funding fee (waived for some veterans and service members), and USDA loans add a guarantee fee, while conventional loans typically don't carry a comparable upfront charge. Property type matters too — condos and homes in planned communities often require an extra fee for HOA document review or a resale certificate, and multi-unit or investment properties can carry higher title insurance premiums than a standard single-family purchase. County and municipality matter as well: recording fees, and in some states local transfer taxes, can vary from county to county, so the figures on this page reflect the New Hampshire statutory default — always confirm with the specific county recorder's or clerk's office where you're closing. Finally, purchase price and loan amount drive costs that scale with value, including title insurance premiums, percentage-based origination fees, and the transfer tax calculated above.