Estimate your total closing costs as a buyer in New Jersey — including title insurance, recording fees, attorney fees, and lender fees.
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Estimates for general guidance only. Actual costs vary. Contact Agarunov Law for a personalized estimate.
| Line item | How it is calculated | Notes |
|---|---|---|
| Title insurance | New Jersey’s filed standard rates per $1,000 of price | Owner’s policy, plus a $25 lender’s policy when you finance. |
| Attorney fee | The amount you enter | Covers the 3-business-day attorney review and closing. |
| Lender fees | The amount you enter | Origination, appraisal and application fees. |
| Recording fees | $350 estimate | County clerk charges for the deed and mortgage. |
Not included: prepaid property taxes and escrow deposits, homeowners insurance, HOA or condo capital contributions, municipal certificate-of-occupancy inspections and survey costs.
Looking for the NJ realty transfer fee? Sellers pay it in New Jersey. Use our NJ transfer tax calculator to estimate it, including the Graduated Percent Fee on sales over $1 million.
Common questions about NJ buyer closing costs
NJ buyer closing costs typically run 1% to 3% of the purchase price. The main costs are title insurance, attorney fees, lender fees and county recording fees. NJ has no mortgage recording tax, and since July 10, 2025 buyers no longer pay the 1% “mansion tax” on homes over $1 million; that fee now falls on the seller.
No. Unlike New York, New Jersey does not tax the amount of your mortgage. You pay only the county clerk’s recording fees for the deed and mortgage, which are a small fraction of the 1.8% to 1.925% NYC buyers pay on their loan.
While not technically required by law, it is standard practice in New Jersey for both buyers and sellers to be represented by attorneys. NJ's unique attorney review period makes legal representation essential for protecting your interests.
No. In New Jersey, the Realty Transfer Fee (RTF) is paid by the seller, not the buyer. NJ buyers benefit from not having this cost at closing, which is a significant difference from NYC where buyers pay transfer-related taxes.
Not for contracts signed on or after July 10, 2025. New Jersey eliminated the 1% buyer-paid fee on purchases over $1 million and replaced it with a Graduated Percent Fee paid by the seller.