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Includes a 5% total brokerage planning assumption, estimated closing costs, and NJ transfer fees. Brokerage compensation is negotiable; adjust it below.
Those four are typical Essex and Bergen County residential closing figures — planning estimates, not quotes. Title insurance and survey are not listed because in New Jersey the buyer customarily pays them.
NJ Realty Transfer Fee is computed from the New Jersey Treasury schedule and paid by the seller: for a total price over $350,000, $2.90 per $500 on the first $150,000, $4.25 to $200,000, $4.80 to $550,000, $5.30 to $850,000, $5.80 to $1,000,000, and $6.05 above that (lower rates apply when the whole price is $350,000 or less). Over $1,000,000, New Jersey also charges the seller a Graduated Percent Fee on the whole price — 1% up to $2M, 2% to $2.5M, 2.5% to $3M, 3% to $3.5M, 3.5% above — in effect for transfers on or after July 10, 2025. Both are applied automatically. Verify your own figures with your attorney; the NJ Division of Taxation publishes the current schedules.
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The useful question isn’t whether the guess is right. It’s what happens to your actual proceeds when it isn’t.
| Sale price | Estimated net | NJ transfer fees | All selling costs |
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Compensation to the brokerages on both sides is set by agreement, not by law. The sheet defaults to a combined 5% so the number is honest, and lets you change it to whatever you actually negotiate.
New Jersey charges the seller a transfer fee on a published per-$500 schedule that rises through six price brackets. On a $775,000 sale it is $7,040. The sheet computes it from the Treasury schedule for whatever price you enter.
Since July 10, 2025 the seller also pays a Graduated Percent Fee on residential sales over $1,000,000 — 1% of the entire price, rising to 3.5% above $3.5M. One dollar over the line changes the math by about $10,000, which is why the sensitivity table shows the step instead of hiding it.
Attorney, the smoke and carbon-monoxide certificate, final water and sewer, recording and wire fees. Typical Essex and Bergen County figures are filled in and every one is editable. Title insurance and survey are customarily the buyer’s cost here.
Property-tax proration at closing (a credit or a debit, depending on the date), a tenant’s security deposit that transfers with a lease, condo or HOA transfer charges, loan prepayment penalties, and any capital-gains tax. Each is real; none can be estimated honestly without your specifics. Your attorney and accountant own those numbers.
This is a planning estimate prepared from the figures you enter and published New Jersey fee schedules. It is not an appraisal, a broker price opinion, a settlement statement, or legal or tax advice. Statutory fees change; verify current schedules with the NJ Division of Taxation and your attorney before you rely on them. Zestimate is a registered trademark of Zillow, Inc.
The net is only half the decision. Move-Up Math takes the equity from a sale and shows what the next house actually changes month to month.
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