Monthly Payment Calculator
Estimate principal and interest, property taxes, homeowners insurance and HOA dues.
Estimate PaymentBuying a home
Plan first. Apply when you're ready.
Use the tools below to estimate payment, closing costs and cash needs, then review the documents commonly needed for a mortgage application.
NJ Closing Cost Estimator
Estimate lender charges, title fees, prepaids, escrows, credits and cash needed to close.
Estimate Closing CostsNJ Realty Transfer Fee
A useful planning tool when comparing a sale and purchase or evaluating seller-side transaction costs.
Calculate Transfer FeePrepare
What you may need for a mortgage application
Requirements vary by loan program and borrower, but having these items available can make the process considerably smoother.
Income
- Recent pay statements, typically covering about 30 days
- W-2s and/or other income statements as applicable
- Personal and business tax returns when required
- Documentation of bonus, commission, overtime, retirement, rental or other income when used to qualify
- Self-employed borrowers may need business financial information or alternative documentation depending on program
Assets & funds to close
- Recent bank and investment statements
- Documentation for large or unusual deposits when required
- Gift documentation if gift funds will be used
- Evidence of earnest money already paid
- Retirement or reserve-account documentation when applicable
Credit & liabilities
- Authorization for a mortgage credit report
- Information about mortgages, installment debt, student loans and other obligations
- Documentation or explanations for certain credit events when needed
- Divorce, support or other obligation documentation when relevant to qualification
Property & transaction
- Fully executed purchase contract once under contract
- Property address and purchase price
- Homeowners insurance information before closing
- Condominium, HOA or other project information when applicable
- Additional property documentation depending on the loan or property type
Ready for the next step?
You can review loan options, speak with a loan officer, or begin the secure application whenever you are ready.