CLOSING COST

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CLOSING COST

Buyer’s Closing Cost

뉴저지에서 부동산 매매 시 Buyer가 납부해야 할 부대 비용 내역

Category Single Family / 2-4 Family Condo/Townhouse
Attorney Fee $1,000~$1,500 $1,200~$1,500
Inspection
  • $450~$800 (Home, Termite, Radon)
  • $250~$400 (Oil Sweep)
  • $250~$350 (Sewer Inspection)
 $250~$400 (Home)
Appraisal $400~$800 $400~$800
Recording
  • About $120 for New Owner
  • About $250 for Mortgage
  • About $120 for New Owner
  • About $250 for Mortgage
Survey $700~$1,000 (When requested by lender) N/A
Condo Fees N/A Capital Contribution
- 2 to 4 Month of HOA fee
Move in Fee - $300~$600
Title Search $800~$1,600 $800~$1,600
Title Insurance
  • $200,000: About $950
  • $300,000: About $1,375
  • $400,000: About $1,800
  • $500,000: About $2,225
  • $600,000: About $2,500
  • $700,000: About $2,775
  • $800,000: About $3,050
  • $900,000: About $3,325
  • $1,000,000: About $3,600
  • $2,000,000: About $6,350
  • $3,000,000: About $8,350
  • $5,000,000: About $12,350
Mortgage Fees Inquire with your lender
(Origination Fee, Underwriter Fee, PMI, etc.) 		Inquire with your lender
(Origination Fee, Underwriter Fee, PMI, etc.)
Property Tax
About 6 Months
Pro-rate current quarter,
Prepay next quarter,
2-3 month in mortgage escrow
About 6 Months
Pro-rate current quarter,
Prepay next quarter,
2-3 month in mortgage escrow
Home Insurance Home Insurance Master Insurance, Condo Insurance
Other Fees FedEx, POA, Wire Transfer Fee, etc. FedEx, POA, Wire Transfer Fee, etc.

Seller’s Closing Cost

뉴저지에서 부동산 매매 시 Seller가 납부해야 할 부대 비용 내역

Category Description
Attorney Fee $1,000~$1,500
Broker Fee 4%-6%
Title Related Fee $100~$300
CCO Fee Depends on town, usually $50~$150
Seller’s Credit Based on buyer’s inspection claim
Seller’s Concession Seller Agreeing – a buyer to get extra mortgage for closing cost up to 5%
Adjustments Adjusting Unpaid or Prepaid – Property Tax, Insurance, HOA fee (Condo)
Other Fees FedEx, Wire Transfer Fee, Power of Attorney, etc.
Realty Transfer Fee General Seller Senior over 62, Blind Person, Disabled Person
For sales amount over $350,000
.58% ~$150,000
.85% $150,001~$200,000
.96% $200,001~$550,000
1.06% $550,001~$850,000
1.16% $850,001~$1,000,000
1.21% Over $1,000,000
For sales amount under $350,000
.40% - ~$150,000
.67% $150,001~$200,000
.78% $200,001~$350,000
For sales amount over $350,000
.28% - ~$150,000
.43% $150,001~$550,000
.53% $550,001~$850,000
.63% $850,001~$1,000,000
.68% Over $1,000,000
For sales amount under $350,000
.10% ~$150,000
.25% $150,001~$350,000
Realty Transfer Fee Exemptions
  • 1. Government property
  • 2. Husband and Wife, Parent and Child
  • 3. Converting all Coop to Condo
  • 4. Correction on previously recorded Deed