Seller

Buyer

Full Transaction

Property Details

Property Address

Sale Price

County

Property Type

Annual Property Taxes

Closing Date

HOA Transfer Fee

Prorate property taxes at closing (assumes current quarter paid)

Seller Details

Existing Mortgage Balance

2nd Mortgage / HELOC

Listing Commission %

Buyer Agent Comm. %

Or Flat Commission ($)

Senior / Disabled Exemption (RTF) Non-Resident Seller (NJ GIT/REP estimated tax) Include Attorney Fee

Additional Seller Costs▼

Attorney FeeBergen Co. typical: $1,500 – $2,500

Mortgage Payoff Fee

Prepayment Penalty

Recording FeesMortgage discharge: $30 + $10/pg + $10 notation + $3 county surcharge

Smoke/CO & Fire Insp.Set by borough ordinance — confirm with the municipality

Certificate of OccupancySet by borough ordinance — some towns bundle with smoke cert

Municipal Lien Search

Survey

Home Warranty (to buyer)

Repair Credits / Concessions

Staging / Cleaning / Prep

Outstanding Utilities

Outstanding HOA Assessments

Wire / Courier Fee

Buyer Details

Loan Type

Loan Term

Loan Amount

Interest Rate %

Down Payment %

Discount Points

Include Attorney Fee Enhanced (ALTA Homeowner’s) owner’s policy — +20%

Title & Insurance▼

Title Search & ExamSearches billed at cost incl. tax, judgment & UCC

Settlement / Closer Fee

Closing Protection LetterNJRB Manual §6.6 filed rate: $75

Title EndorsementsALTA 9, condo/PUD — varies by policy

Tidelands / Riparian SearchWaterfront & historically flowed parcels

Notice of Settlement (county)$20 per filing — contract + mortgage commitment

Homeowner’s Insurance (1yr)

Flood Insurance (annual)

Lender & Loan Fees▼

Origination Fee

Application Fee

Underwriting Fee

Credit Report

Flood Certification

Tax Service Fee

Mortgage Recording$30 first pg + $10/pg (≈30 pgs) + $3 surcharge

Deed Recording$40 first pg + $10/pg + $3 county surcharge

PMI Upfront

VA Funding Fee

FHA Upfront MIP (1.75%)

Prepaids & Escrows▼

Prepaid Interest (days)Closing to month-end

Tax Escrow (months)

Insurance Escrow (months)

Inspections & Appraisal▼

Appraisal

Home Inspection

Termite / WDI

Radon Test

Septic Inspection

Well Water Test

Oil Tank / UST Sweep

Mold Inspection

Lead Paint

Asbestos

Sewer Scope

Structural / Engineering

Survey (ALTA/Boundary)

Other Buyer Costs▼

Attorney FeeBergen Co. typical: $1,500 – $2,500

Home Warranty

Condo Move-In Fee

Condo/HOA Doc Package

Wire / Courier Fee

Notary Fees

CloseQalc

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Seller · Buyer · Full Transaction

CloseQalc — Estimate Buyer and Seller Closing Costs in New Jersey

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