How to Pass the New Hampshire Real Estate
Exam in 2026

About 10 questions test how New Hampshire defines real property: land, permanent improvements, and the rights that pass with title. Expect items on fixtures (intent, method of attachment, adaptation), legal descriptions (New Hampshire is a metes-and-bounds state, since it predates the rectangular survey), estates, and encumbrances such as easements, liens, and encroachments. A common pitfall is treating a removable trade fixture as part of the realty — a commercial tenant's equipment usually stays personal property. New Hampshire is not a community-property state, so ownership follows common-law rules including tenancy by the entirety for married couples. Example: a stone wall on a boundary line raises classic encroachment and metes-and-bounds description questions. Click2CE drills fixture classification and metes-and-bounds reading until the rules become automatic.

Roughly 12 questions cover New Hampshire agency duties. New Hampshire recognizes seller agency, buyer agency, disclosed dual agency (with written consent), and designated agency within a firm. Licensees must provide the agency disclosure and the brokerage relationship information to consumers early — at the first substantive discussion of a specific property. Fiduciary-style duties of loyalty, confidentiality, disclosure, accounting, and reasonable care are tested repeatedly. A frequent pitfall is forgetting that the duty to disclose known material defects to all parties survives even without an agency relationship. Example: an agent who learns of a failed septic system must disclose it regardless of whom they represent. Click2CE drills the exact disclosure timing and the difference between client and customer duties the New Hampshire Real Estate Commission tests.

About 12 questions cover contract formation (offer, acceptance, consideration, capacity, lawful purpose), purchase and sale agreements, contingencies, and remedies. New Hampshire follows the statute of frauds, so contracts affecting real property must be in writing and signed. Expect questions on counteroffers (which reject and replace the original offer), earnest-money deposits, inspection and financing contingencies, and the difference between liquidated damages and specific performance. A common pitfall is assuming verbal modifications bind the parties — they do not for real estate. Example: a seller's handwritten change to the closing date returned to the buyer is a counteroffer, not an acceptance. Click2CE walks through standard New Hampshire purchase-and-sale clauses and contingency deadlines so the timing rules stay clear under pressure.

About 10 questions test mortgage instruments, loan qualification, government-backed loans (FHA, VA, USDA), and federal disclosure law (TILA, RESPA, TRID). New Hampshire is a title-theory mortgage state, and lenders typically foreclose using the statutory power of sale, a non-judicial process that requires proper notice and publication. Expect calculation items on loan-to-value, points (1 point = 1% of the loan), and qualifying ratios. A common pitfall is confusing the front-end (housing) ratio with the back-end (total debt) ratio. Example: a borrower with $6,000 monthly income and a 28% housing limit can support $1,680 in PITI. Click2CE's AI Tutor walks each formula step-by-step and explains New Hampshire's power-of-sale foreclosure notice timeline.

About 8 questions test the federal Fair Housing Act and the New Hampshire Law Against Discrimination, which adds protections beyond the federal classes — including age, marital status, sexual orientation, and gender identity. Federal protected classes are race, color, religion, national origin, sex, familial status, and disability. A common pitfall is applying only the federal list and missing New Hampshire's broader protections. Example: refusing to rent to an applicant because of marital status violates New Hampshire law even though marital status is not a federal protected class. Discriminatory advertising language is prohibited, and reasonable accommodations and modifications must be allowed for people with disabilities. Click2CE flags every New Hampshire addition and drills the advertising and accommodation traps the exam favors.

This is the largest section — about 18 questions on the New Hampshire Real Estate Commission, license requirements, trust-account handling, advertising rules, required disclosures, and New Hampshire-specific topics like current-use taxation of open and agricultural land. Expect detail-heavy questions on earnest-money deposit timing into the broker's trust account, recordkeeping, and the seller's duty to disclose known material defects and provide information on private water supplies and septic systems. A common pitfall is mishandling trust-account rules — commingling broker and client funds is a sanctionable violation. Example: a property enrolled in current use is taxed on its current use value rather than market value, and removal triggers a land-use change tax. Click2CE drills Commission rule language and the current-use concept that recurs on the state portion.

About 12 questions combine the three approaches to value (sales comparison, cost, income) with real estate math: commission, prorations, area, transfer tax, and investment returns. New Hampshire imposes a real estate transfer tax that is customarily split equally between buyer and seller, so expect a computation question. Treat prorations as a daily rate times days, and watch whether the problem uses a 360-day banker's year or a 365-day year. A common pitfall is forgetting to subtract vacancy before applying the cap rate. Example: a building with $30,000 NOI selling at a 7.5% cap rate is worth $400,000; on a $300,000 sale, the transfer tax is computed on the price and split between the parties. Click2CE's worksheets show every step and award partial credit.

About 8 questions cover the closing process, settlement statements (the Closing Disclosure and ALTA statement), title insurance, and escrow. New Hampshire closings are commonly conducted by attorneys or title companies, and title is typically evidenced by title insurance after an attorney's title examination. A common pitfall is forgetting that under TRID the Closing Disclosure must reach the borrower at least three business days before consummation, and that an APR increase above 0.125% or a loan-product change restarts the three-day clock. Example: switching from a fixed to an adjustable rate late in the process resets the waiting period. Expect a question tying the buyer's and seller's shares of the transfer tax to the settlement statement. Click2CE walks through real settlement-statement line items so the closing math feels familiar.