Your Purchase
Lender Costs
Underwriting, processing, and any points. Typically 0.5–1% of the loan amount.
Professional & Title
NJ buyers typically pay $1,500–$2,500 through attorney review and closing.
One-time premium set by NJ rate schedules; roughly 0.4–0.6% of price for most purchases.
Add $100–$300 more for radon, oil tank sweep, or termite in older housing stock.
Prepaids & Escrow
Used to estimate the ~3 months of taxes typically collected at closing.
First year is usually paid at closing, plus ~2 months into escrow.
Your Estimate
$0 Estimated total cash to close (down payment + closing costs)Note: on sales over $1M, New Jersey's supplemental "mansion" fee is paid by the seller under the July 2025 law — it's not in your buyer costs above.
Go deeper on NJ closing costs
For the full plain-language walkthrough — including how the 3-day attorney review period works and what sellers pay — grab the free Attorney Review & Closing Cost Cheat Sheet. And if you're still sizing up your budget, start with the Affordability Calculator.
A good buyer's agent will negotiate credits that can offset a chunk of these costs. I match NJ buyers with proven agents, screened on actual results — free to you.