New Hampshire buyer closing costs and cash to close
A New Hampshire buyer pays about $10,470 in closing costs on a $420,000 home with 20% down. That is 2.5% of the price. Prepaids add about $5,810. Cash to close is about $102,269.
See the lender fees, title, prepaids and down payment on a typical home loan.
Free New Hampshire buyer net sheet New Hampshire seller net sheet
Free New Hampshire buyer cash to close calculator
Change any number and the local costs update.
| Real estate transfer tax (buyer and seller each pay 0.75%) | $3,150 |
| Deed recording fee | $40 |
| Mortgage recording fee | $65 |
| Reimburse seller for prepaid taxes | $1,990 |
| Down payment (20%) | $84,000 |
| Title insurance and settlement | $2,145 |
| Lender fees | $5,070 |
| Prepaids and escrow reserves | $5,810 |
| Estimated cash to close | $102,269 |
- Closing costs on $420,000
- About $10,470
- Owner's title policy
- Buyer pays
- Cash to close, 20% down
- About $102,269
How much are buyer closing costs in New Hampshire?
About $10,470 on a $420,000 home with a $336,000 loan. That is 2.5% of the price. Prepaids add about $5,810. $420,000 is close to the typical New Hampshire home value (the Census median, weighted by county).
| Line | Buyer |
|---|---|
| Down payment (20%) | $84,000 |
| Real estate transfer tax (buyer and seller each pay 0.75%) | $3,150 |
| Owner's title insurance policy | $1,545 |
| Lender's title insurance policy | $200 |
| Lender-required endorsements | $150 |
| Settlement / closing fee | $250 |
| Deed recording fee | $40 |
| Mortgage recording fee | $65 |
| Loan origination (1%) | $3,360 |
| Appraisal | $550 |
| Credit report | $60 |
| Underwriting / processing | $995 |
| Flood certification | $25 |
| Tax service fee | $80 |
| Closing costs | $10,470 |
| Prepaid interest | $1,854.90 |
| Homeowner's insurance (12 months) | $1,680 |
| Insurance escrow reserve (2 mo) | $280 |
| Property tax escrow reserve (3 mo) | $1,995 |
| Prepaids and escrow reserves | $5,809.90 |
| Reimburse seller for prepaid taxes | $1,989.53 |
| Estimated cash to close | $102,269.43 |
Run it with your own numbers. Pick the county, loan type, rate and closing date.
What does a buyer pay at closing in New Hampshire?
The buyer pays the lender fees and the lender's title policy. The buyer usually pays for the owner's title policy in New Hampshire. In New Hampshire, each title insurer files its own rates. So prices differ between title companies. The net sheet uses typical rates. The title company that runs the closing gives the final quote.
New Hampshire buyer closing cost questions
How much are buyer closing costs in New Hampshire?
About $10,470 on a $420,000 home with 20% down. That is 2.5% of the price. Prepaid insurance, interest and escrow add about $5,810. Cash to close is about $102,269. That counts the $84,000 down payment.
Does the buyer pay transfer tax in New Hampshire?
Yes. Buyer and seller usually split the real estate transfer tax (buyer and seller each pay 0.75%). See the New Hampshire seller net sheet page for the rates.
Who pays for the owner's title policy in New Hampshire?
The buyer usually pays for the owner's title policy in New Hampshire.
What is the difference between closing costs and cash to close?
Closing costs are the fees and taxes for the loan, title and recording. Cash to close is all the money you bring. It adds your down payment. It adds prepaids, like home insurance, interest and escrow. Then it takes off credits. Those include the seller's property tax credit and the earnest money you already paid.
Give your buyer a cash-to-close estimate.
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