CloseQalc — Estimate Buyer and Seller Closing Costs in New Jersey

Every calculated fee, sourced. Realty Transfer Fee: N.J.S.A. 46:15-7 schedule (senior/disabled partial-exemption rates applied when selected). Graduated Percent Fee ("mansion tax"): N.J.S.A. 46:15-7.2 as amended eff. July 10, 2025 — seller-paid, each rate applies to the entire consideration; covers Class 2 residential, co-op units, farmland with residence, and Class 4A commercial. Title premiums: NJ Land Title Insurance Rating Bureau Manual eff. Nov. 1, 2023 — §4.2 rate schedule ($5.25 / $4.25 / $2.75 / $2.00 per $1,000 or fraction), §4.1 minimum $200, §3.4 simultaneous-issue loan policy $25, §4.8 enhanced coverage at 120%, §6.6 Closing Protection Letter $75. Recording: statewide county schedule — deed $40 first page + $10 per page, mortgage $30 first page + $10 per page, Notice of Settlement $20 per filing, plus the $3 per-document surcharge Bergen County imposes under the Homelessness Trust Fund Act. Non-resident seller estimated tax (GIT/REP): the greater of 10.75% of gain or 2% of consideration — the 2% statutory minimum is shown; NJ residents and §121 principal-residence sales are exempt. Tax proration: NJ quarterly billing (due Feb/May/Aug/Nov 1), assumes the seller has paid the current quarter; the buyer reimburses closing day through quarter-end. Prepaid interest: per-diem (loan × rate ÷ 365) from closing to month-end. Rates verified against primary sources Aug. 22, 2026.

This estimate is for informational purposes only. Actual costs may vary. Smoke certificate and CO fees are set by municipal ordinance and vary by borough — confirm locally.
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