Cash to close
Combines the down payment, estimated closing costs, prepaids and initial escrow funding, then subtracts entered deposits and credits.
New Jersey homebuyer tool
New Jersey Closing Cost Estimator
Estimate your loan amount, monthly payment, itemized closing costs, prepaids, escrow funding and cash needed to close on a New Jersey home purchase.
Planning estimate only — this is not a Loan Estimate. This calculator is not an official Loan Estimate, Closing Disclosure, commitment to lend, rate quote, fee quote, or other required mortgage disclosure. Actual charges, credits, escrow requirements and cash to close will depend on the property, loan program, selected providers, closing date and other transaction details.
NJ purchases only
Transaction assumptions
Purchase & financing
Enter an estimate if applicable.
A. Lender charges
Enter the charges applicable to the loan being considered. Defaults are planning assumptions and are editable.
B/C. Required third-party services
Title insurance
The premium estimate uses the current NJ title insurance rate tiers effective October 1, 2025. Actual title charges and eligibility for reduced/reissue rates can differ.
When selected, the estimator calculates an owner's policy on the purchase price and a simultaneous lender policy estimate.
E. Taxes & government fees
Editable because document/page counts and county charges vary.
Current NJ graduated fee is seller-paid for applicable current transfers.
F. Prepaids
Calculated from loan amount and interest rate.
Enter estimated tax adjustment, if applicable.
G. Initial escrow funding
H. Other costs & credits
What this estimate includes
New Jersey-specific assumptions
Uses current NJ title premium tiers and does not charge the purchaser the current seller-paid graduated transfer fee.
Editable costs
Third-party, attorney, recording, escrow and lender assumptions can be changed so the estimate can reflect the particular property and transaction.