Know Your Numbers
Before You Close
New Jersey's most accurate free closing cost calculator — built by a licensed NJ REALTOR® using official RTF tiers and NJLTA title insurance rates.
NJ Closing Cost Estimator
Enter your numbers below. Results update instantly — no email required to use the calculator.
🔒 Free & confidential. No spam, ever.
RTF calculated using official NJ REALTORS® tiered schedule. GPF (Graduated Percent Fee) is seller-paid effective July 10, 2025 per N.J.S.A. 46:15-7.2. Partial exemption rate applies to qualifying sellers age 62+, blind, or disabled persons, and low/moderate income housing — an Affidavit of Consideration (RTF-1) must be filed. Title insurance per NJLTA Rate Manual (eff. Nov 1, 2023). Estimates only — not a guarantee of actual costs. Verify all figures with your NJ real estate attorney. Keller Williams Preferred Properties is independently owned and operated.
How It Works
Three simple steps to know exactly what you'll walk away with — or bring to the closing table.
Enter Your Numbers
Input your sale price or purchase price, loan amount, and any known fees. All fields have pre-filled typical NJ values to get you started instantly.
Get Instant Results
The NJ Realty Transfer Fee, owner's title insurance, and lender's title insurance all calculate automatically using official NJ rate schedules.
Download Your PDF
Enter your name and email to receive a professional, itemized PDF report — the same format used by NJ real estate attorneys at closing.
Every Line Item Covered
More comprehensive than any national calculator — built specifically for New Jersey transactions.
Seller Net Sheet
Buyer Closing Costs
Meet Tom Buscemi
With over 11 years of experience serving buyers and sellers throughout Ocean County, Tom Buscemi has guided hundreds of families through one of the most important financial transactions of their lives. As a Broker Associate at Keller Williams Preferred Properties, Tom combines deep local market knowledge with the resources of one of the world's largest real estate companies.
This calculator was built because Tom believes every client deserves to know their numbers before they sit down at the closing table — not after. No surprises. No hidden fees. Just clarity.
What Clients Say
"Tom walked us through every single closing cost before we even made an offer. We knew exactly what we'd need at the table. No surprises — just a smooth closing."
"We were selling our home of 22 years and had no idea about the Realty Transfer Fee. Tom's calculator showed us the exact number — it matched our closing statement to the dollar."
"As a first-time buyer, I was overwhelmed. Tom broke down every fee in plain English. This tool helped me understand what I was actually paying for. Highly recommend."
Serving All of Ocean County
From Toms River to Long Beach Island, Brick to Barnegat — Tom knows every neighborhood, every market, and every nuance of closing a deal in Ocean County.
Search Homes in Ocean County →Get Your Full Itemized Report
Tom will email you a professional closing cost breakdown — the same format used by NJ real estate attorneys.
IMPORTANT DISCLAIMER: All closing cost figures provided by this calculator are estimates only and are intended solely for general informational and educational purposes. They do not constitute legal, financial, tax, or real estate advice, and should not be relied upon as a guarantee of actual costs at closing.
Actual closing costs will vary based on the specific terms of your transaction, lender requirements, title company fees, municipal charges, proration calculations, and other factors unique to your property and circumstances. The NJ Realty Transfer Fee calculation is based on the official NJ REALTORS® tiered schedule and the NJ Title Insurance premiums are based on the NJLTA Rate Manual effective November 1, 2023; however, rates are subject to change and individual title companies may charge additional fees not reflected herein.
Thomas D. Buscemi and Keller Williams Preferred Properties expressly disclaim any liability for errors, omissions, or inaccuracies in the estimates provided, and shall not be held responsible for any decisions made in reliance upon this calculator. Always consult with a licensed New Jersey real estate attorney, your lender, and your title company to obtain a formal Closing Disclosure prior to closing. · Keller Williams Preferred Properties is independently owned and operated.