What Will You Need
at Closing?
Beyond the down payment, New Jersey buyers bring attorney fees, title insurance, inspections, and lender escrows to the closing table. Estimate the full cash-to-close picture here, calmly and in advance.
Your Numbers
Typical range: $1,500–$2,500
General + radon, termite, oil tank sweep, sewer scope as applicable
Your Loan Estimate itemizes the exact fees for your program
Varies meaningfully by town — check the actual taxes on any specific home
Interest from your closing date through month-end
Down payment ($150,000) plus $17,628 in estimated closing costs
One-Time Fees
Prepaids & Escrows
The Realty Transfer Fee isn't missing.
New Jersey's Realty Transfer Fee is paid by the seller, so it doesn't appear in a buyer's cash-to-close. Selling as well? Estimate your side with the seller net proceeds calculator.
Buyer Closing Cost FAQ
Why is my cash to close higher than the list of closing fees?
Because closing costs are only part of the check you write. Lenders typically collect several months of property taxes and a year of homeowner's insurance up front, plus interest through month-end — and your down payment comes due at the same table. This calculator shows the whole figure so nothing surprises you.
Does this calculator include the NJ Realty Transfer Fee for buyers?
No, deliberately. In New Jersey the Realty Transfer Fee is paid by the seller, not the buyer, so it doesn't belong in a buyer's cash-to-close estimate. Sellers estimating their side can use the seller net proceeds calculator instead.
Who pays the New Jersey mansion tax after the July 2025 change?
For contracts signed after July 10, 2025, New Jersey shifted the supplemental fee on sales above $1 million from the buyer to the seller, with graduated rates that rise at higher price points. Buyers under earlier contracts may still have owed the traditional 1%. Your attorney confirms exactly what applies to your transaction.
How do seller credits change what I bring to closing in this estimate?
A negotiated seller credit reduces your cash to close roughly dollar for dollar, within limits your lender sets by loan type. Credits are often negotiated after inspection. This tool doesn't assume any credit — treat one as welcome relief rather than a plan.
Questions about what these numbers mean for your situation?
Kathleen will walk through it with you personally — a confidential conversation, with no obligation and nothing to prepare.