Updated for NJ's 2025 transfer-fee law

What will you actually walk away with?

Estimate your net proceeds from selling a home in New Jersey — after commission, the state Realty Transfer Fee, and your mortgage payoff.

Your sale details

Adjust the numbers to match your situation.

Expected sale price

Remaining mortgage balance (payoff)

Total real estate commission

Senior (62+), blind, or disabledQualifies for NJ's reduced transfer-fee rate

Attorney fee

Other closing costs

I am a non-resident of New JerseyAdds 2% state tax withholding at closing (credited back at tax time)

Estimated net proceeds

$162,505

What you'd take home at closing, before any prorations.

Sale price $450,000

Real estate commission 5% –$22,500

Realty Transfer Fee (NJ) –$3,215

Attorney fee –$1,500

Other closing costs –$1,000

Mortgage payoff –$280,000

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This is a good-faith estimate for planning purposes only. Your exact net proceeds are confirmed by your attorney and title company at closing and will vary with prorated taxes, payoff interest, and negotiated terms. Figures reflect New Jersey's Realty Transfer Fee and the Graduated Percent Fee rules effective July 2025.