What Every Buyer Should Know About Due Diligence in New Hampshire Real Estate

04/11/2025|The Dolloff Team at eXp Realty|

Buying a Home in the Granite State? Here’s How to Protect Your Investment

When buying real estate in New Hampshire, especially unique properties, like waterfront, or rural communities, understanding the due diligence process is essential. This step-by-step guide breaks down what you need to know to make a confident, informed purchase.

1. Start with a Title Search – A title search uncovers legal ownership, liens, easements, and encumbrances. Partner with a local title company or attorney who understands New Hampshire property laws. Title insurance offers long-term protection for your investment. One of our favorite closing companies, click HERE. 

2. Schedule the Right Inspections A person standing next to a glass door AI-generated content may be incorrect.

Home inspections are a cornerstone of due diligence. In New Hampshire, also consider:

  • Septic system inspections
  • Water quality testing (especially for arsenic and radon)
  • Radon air tests
  • Pest inspections

These issues can be costly if discovered after closing.

3. Understand Zoning and Land Use  Each New Hampshire town has its own zoning rules. Make sure your intended use fits the property’s zoning. Ask about variances, wetlands, conservation land, and shoreland protections.

4. Review Property Taxes and Assessments New Hampshire has no sales or income tax, but property taxes can be high. Review the property’s tax history, check for upcoming assessments, and consult with the local assessor’s office.

5. Get the Details on HOAs and Private Roads If the property is part of an HOA or located on a private road, request:

  • HOA rules and financials
  • Road maintenance agreements (required for mortgages in many cases)

6. Be Aware of Environmental and Historic Restrictions Older homes or properties near lakes and rivers may face unique rules. Check for lead paint, flood zones, underground tanks, and historical designations that could affect renovations or ownership costs.

7. Work with Local Experts A local REALTOR® with a deep knowledge of the New Hampshire market can guide you through the entire due diligence process. That’s us! Partnering with a skilled home inspector, closing company, and lender ensures you’re protected from unexpected surprises.

Ready to Buy? Let’s Talk. If you’re thinking about purchasing in New Hampshire, let’s connect. We specialize in helping buyers navigate every detail—from the first showing to the closing table.

Contact us to schedule a consultation or ask questions about your specific situation.

Bill – 6033617295

Connie – 843-224-1258

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