Your monthly payment, with New Hampshire taxes included
Change any number to see your estimated payment. Property tax is entered the way NH towns quote it: dollars per $1,000 of assessed value.
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- Principal and interest
- $0
- Property tax
- $0
- Home insurance
- $0
- Mortgage insurance (est.)
- $0
- Loan amount
- $0
- NH transfer tax, buyer's share (at closing)
- $0
Estimates only, not a loan offer or commitment to lend. Mortgage insurance is a rough estimate and depends on your down payment and loan program (when PMI can be removed). Your actual rate, payment and costs depend on your credit, loan program and property.
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Calculator questions
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Use the tax rate for the town you're shopping in and a real insurance quote instead of the defaults. Those two numbers can change your payment more than many buyers expect.
Why is this only an estimate?
Your actual rate depends on your credit, the loan program and the market on the day you lock. Taxes, insurance and mortgage insurance vary by property, and your Loan Estimate shows the figures for your specific loan.
How does property tax per $1,000 work in NH?
Divide the home's assessed value by 1,000, then multiply by the town's rate to get the yearly tax. The assessed value may differ from the price you pay, and rates are set each year.
Where can I find a town's tax rate?
Check the town's website or assessing office, or the yearly list of tax rates from the NH Department of Revenue Administration. Tom can also look it up for you.
Why is the transfer tax shown separately?
The buyer's share of the NH transfer tax is paid once, at closing. It's part of your cash to close, not your monthly payment.
What about condo or HOA fees?
The calculator doesn't include them. Add any association dues to your monthly total, since lenders count them when figuring what you can afford.
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