New Jersey seller resource

Estimate what you may net at closing before you list.

This calculator is built for New Jersey sellers and lets you plug in your own numbers for commissions, payoff, attorney fees, title charges, county recording or mortgage release fees, and optional costs. It also includes the NJ Realty Transfer Fee, a senior or disabled seller toggle, and estimated non-resident withholding.

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Designed first as a practical seller resource. This page is not legal, tax, or financial advice, and final numbers should always be confirmed with your attorney, title company, lender, and tax professionals.
Free calculator

NJ Seller Net Proceeds Calculator

Enter only the fields you want to use. Transfer-fee fields are estimated automatically using New Jersey schedules and common planning assumptions.

Sale details

Sale price
$
Mortgage payoffTotal amount owed to your lender or lenders at closing
$
Other LiensMechanics liens, tax liens, judgments, second mortgages, or other obligations that may reduce proceeds
$

Commissions

Listing-side commission %Use your own assumption
%
Buyer-side commission or concession %Use your own assumption
%

NJ transfer fees and tax settings

Seller status for transfer-fee estimateChoose the rate schedule that best fits the seller
Realty Transfer Fee estimate ?Estimated using New Jersey transfer-fee schedules. Official reference links are listed below in the resource section.Auto-calculated
$
Graduated Percent Fee estimate (commonly referred to as the Mansion Tax) ?For higher-price transfers, New Jersey may impose an additional graduated percent fee. This estimate turns on automatically above the relevant threshold.Auto-calculated when applicable
$
Non-Resident Withholding estimate (commonly referred to as the Exit Tax, although it is not an actual tax) ?This estimator uses a simple planning assumption for non-resident withholding. Final treatment should always be reviewed with the seller's attorney and tax professional.Shown as 2% of sale price when seller is not a NJ resident
$
Enter a sale price and choose the seller status to see helpful notes about the transfer-fee estimate.

Attorney and title

Attorney fee ?In our experience, $1,800 is about average, but sellers should always check with whichever attorney they are using for exact fee structure.
$
Title charges Any seller-side title or settlement charges you want to include
$
County recording or mortgage release fee ?Fees charged by the county to record documents such as mortgage satisfactions. Typically ranges from about $50 to $300 depending on county and the number of documents being recorded.Usually a smaller county-related charge
$

Other optional costs

Repairs or credits
$
Moving or clean-out
$
Other closing costs
$
This calculator is intended as a general guide only. Actual closing costs can vary based on property type, exemptions, county fees, and transaction details. All sellers should always consult a real estate attorney for proper legal advice and guidance regarding fees. If you need an attorney recommendation let us know.
Costs explained

The main buckets NJ sellers usually need to watch

Every closing is different, but these are the numbers that most often move the seller's bottom line.

Commission

There is no one-size-fits-all number. This version keeps those fields blank so sellers can model their own assumptions instead of being nudged toward a default.

Fully customizable

RTF

New Jersey's Realty Transfer Fee can materially impact proceeds, and qualifying senior or disabled sellers may have reduced rates.

NJ specific

Attorney and title

Attorney fees, title-related items, and county recording charges can vary more than sellers expect.

Often overlooked

Credits and repairs

Inspection credits, agreed repairs, moving, and clean-out costs can materially reduce the final check at closing.

Easy to model
Video explainer

A short educatioUnderstand the hidden costs that can impact your real bottom line.

Once you film it, this page can easily support a simple embedded explainer without making the site feel like a sales pitch.

Understanding NJ Seller Closing Costs

A deeper look at transfer taxes, attorney fees, inspections, and the often-overlooked costs that can impact what you actually walk away with.

Capital gains

Potential capital gains tax is another major seller consideration

Many homeowners may qualify for a capital gains exclusion of up to $250,000 for single filers or $500,000 for married couples filing jointly if IRS ownership and use requirements are met. This calculator does not estimate capital gains tax, so sellers should review this separately with a qualified tax professional.

Primary residence exclusion

If the home has been your primary residence for at least two of the last five years, you may qualify for significant capital gains exclusions depending on your filing status.

IRS Topic No. 701: Sale of Your Home

Official IRS guidance on home sale exclusions, qualifications, and capital gains considerations.

Important disclaimer

This information is for educational purposes only and does not constitute financial, tax, or legal advice. Tax laws are subject to change and vary significantly based on individual circumstances and location. Before making any decisions regarding the sale of your home or tax exemptions, please consult with a qualified tax professional or CPA.

NJ closing inspections

Many NJ home sales require smoke, CO, fire, or local occupancy-related inspections before closing

Inspection and certificate requirements can vary by municipality, so sellers should always confirm requirements with their local town clerk, fire prevention office, or code office early in the process.

Common seller requirements

  • Smoke detector certification
  • Carbon monoxide compliance
  • Fire extinguisher compliance
  • Fire prevention inspection
  • Certificate of Continued Occupancy (CCO), where applicable

Helpful guidance

NJ DCA Smoke Alarm Requirements

General NJ guidance regarding smoke detector, carbon monoxide, and fire extinguisher requirements.

Costs and municipal requirements vary. Your local municipality may have additional inspections or certifications.

Seller resources

Helpful official and industry resources for New Jersey sellers

These links add credibility and give sellers a way to verify and learn more about the costs shown in the calculator.

Learn more about NJ seller costs

Realty Transfer Fee guide

A helpful NJ Realtors resource that explains the Realty Transfer Fee, transfer-fee treatment, and related seller cost topics.

Buying or Selling a Home in New Jersey

An official New Jersey guide with broader information on the buying and selling process, including taxes and related closing items.

Before relying on the estimate

  • Confirm attorney fees directly with the attorney you plan to use.
  • Ask your title company whether there are additional seller-side charges to budget for.
  • Verify whether the property classification and transaction structure trigger the Graduated Percent Fee.
  • Review non-resident withholding treatment with the seller's attorney and tax professional when applicable.
  • Use a current mortgage payoff figure, not an old statement balance.
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