NJ Closing Cost Estimator
Estimate lender charges, title insurance, attorney and recording costs, prepaids, escrow funding, credits and estimated cash needed to close on a New Jersey purchase.
Estimate NJ Closing CostsNew Jersey mortgage calculators
New Jersey mortgage calculator and homebuying tools
Estimate a New Jersey mortgage payment with your home price, down payment, interest rate, property taxes, homeowners insurance and HOA dues. Then explore purchase closing costs, refinance savings and seller transfer fees with the other tools below.
Planning tools only. Calculator results are estimates and are not loan offers, approvals, rate quotes, Loan Estimates, Closing Disclosures, tax advice or guarantees of actual charges.
Mortgage Payment Calculator
Estimate principal and interest plus property taxes, homeowners insurance and HOA dues using rates to three decimal places.
Calculate Monthly PaymentRefinance Break-Even Calculator
Compare your current mortgage with a proposed refinance, including estimated monthly savings, closing costs and payback period.
Compare a RefinanceNJ Realty Transfer Fee Calculator
Estimate the seller-paid New Jersey Realty Transfer Fee and, when applicable, the Graduated Percent Fee for higher-priced transfers.
Calculate Transfer FeesNJ mortgage payment calculator
Estimate a monthly housing payment
This estimate does not include mortgage insurance, flood insurance, special assessments or every cost that may apply to a particular loan or property.
Estimated total monthly housing payment
$0/mo
Estimated loan amount$0
Principal & interest$0
Property taxes$0
Homeowners insurance$0
HOA$0
Want us to review this payment estimate in the context of an actual loan scenario?
Have Us Review These NumbersUnderstanding your estimate
What goes into a New Jersey mortgage payment?
The monthly principal and interest amount depends on the loan balance, rate and term. Property taxes and homeowners insurance are commonly budgeted as monthly amounts even when paid through an escrow account. HOA dues are separate and may apply to a condo or planned community. Enter the property's actual tax amount when available: taxes can differ considerably by municipality, assessment and property. The figures in this tool are examples you can replace with your own estimates.
For example, on a $500,000 purchase with a $100,000 down payment, the estimated loan is $400,000. At a hypothetical 6.5% fixed rate over 30 years, principal and interest is about $2,528 per month. If annual property taxes are $10,000 and homeowners insurance is $1,800, those add about $833 and $150 per month, for a total near $3,511 before any mortgage insurance, HOA dues or other costs. This example is an illustration, not an available rate or quote.
Does this payment include PMI?
No. The payment tool does not calculate private mortgage insurance or government loan mortgage insurance. A conventional loan with a smaller down payment may require PMI, while FHA and other programs have different insurance rules. Ask for a loan-specific estimate when comparing programs.
How much are closing costs in New Jersey?
Closing costs are separate from the recurring mortgage payment. They can include lender, title, recording and attorney charges, plus prepaid interest, insurance and initial escrow funding. Seller credits and program details can change cash to close. Use the NJ closing cost estimator for an itemized planning estimate, and review the official Loan Estimate for actual loan terms and charges.
Planning a purchase? See our NJ homebuyer guide and first-time buyer resources. For help checking your assumptions, contact our East Brunswick team.
How much cash do I need to buy in NJ?
Open Closing Cost EstimatorPayment is only part of the homebuying budget.
New Jersey buyers should also plan for closing costs, prepaids, escrow funding and the down payment. Our NJ Closing Cost Estimator itemizes those categories and estimates cash to close without presenting the result as an official Loan Estimate.
New Jersey seller tool
NJ Realty Transfer Fee Calculator
Estimate only. Exemptions and unusual conveyances can change the amount due. This calculator is not tax or legal advice and does not replace the county clerk, closing attorney, title company or New Jersey Division of Taxation calculation.
Buying a home?
Use the buyer preparation hub for application-document guidance, calculators and next steps.
NJ homebuyer planning →Thinking about refinancing?
Compare your existing mortgage against a potential new loan instead of looking only at the new rate.
Refinance comparison calculator →Think qualifying may be difficult?
Review common mortgage problems and specialty options before assuming you cannot qualify.
Difficult mortgage loans in NJ →