NJ Seller Net Sheet Calculator
Estimate sale proceeds after the mortgage payoff, negotiated compensation, applicable New Jersey transfer fees, and other selling costs.
Estimate your proceeds
New Jersey’s Realty Transfer Fee and Graduated Percent Fee are separate charges with eligibility rules and exemptions. Inputs are illustrative and editable; compensation is negotiated. Compare complete net proceeds at different prices and confirm adjustments, liens and costs with your closing team.
Net sheet questions
How is the NJ transfer fee calculated?
The standard New Jersey Realty Transfer Fee uses graduated rates per $500 of consideration or fraction thereof, with a different schedule above $350,000. This tool uses the standard schedule. Your closing team should confirm any exemption or reduced-rate eligibility.
What is the supplemental seller fee?
The Graduated Percent Fee applies to qualifying transfers over $1 million. Since July 10, 2025, the seller is responsible. Its rates range from 1% to 3.5%, applied to the full consideration at the applicable tier. Property classification and exemptions matter; compare complete net proceeds, not the fee alone.
Is this my exact number? This is a planning estimate. Final proceeds depend on the payoff quote, agreed compensation, settlement charges, adjustments, and any applicable exemptions. Your attorney and closing team confirm the amounts.
Discuss the costs of your sale
Talk with Anthony about an estimated net sheet and pricing plan: 908-227-8226, or book below.
Estimates are for planning only and use standard fee schedules as of the 2025 law; exemptions and reduced rates exist. Confirm your exact figures with your attorney and accountant.
How this calculator works
The calculator estimates net proceeds by subtracting the entered selling costs and mortgage payoff from the sale price. It uses New Jersey’s graduated Realty Transfer Fee schedule and the Graduated Percent Fee rules effective July 10, 2025. For applicable transfers, the latter is 1% on prices over $1 million through $2 million, 2% over $2 million through $2.5 million, 2.5% over $2.5 million through $3 million, 3% over $3 million through $3.5 million, and 3.5% above $3.5 million; the applicable rate is charged on the full consideration. Compensation and other costs come from your inputs. Ask your attorney or settlement professional to confirm applicable fees, exemptions, adjustments, and the final payoff for your transaction.
Sources
New Jersey Division of Taxation, Realty Transfer Fee schedule and the supplemental fee (the 2025 amendments), with the effective dates. Hudson County Register, recording fees. Your listing agreement for the commission. Your association’s resale fee schedule.
Quick answers about this calculator
Who pays the mansion tax in New Jersey?
For applicable transfers under the rules effective July 10, 2025, the seller is responsible for the Graduated Percent Fee. The rate depends on the full consideration, and exemptions and property classifications must be checked with the closing team.
How much is the realty transfer fee in New Jersey?
A graduated fee paid by the seller that works out to about $9,575 on a $1 million sale and about $15,625 on a $1.5 million sale, with reduced rates for qualifying seniors and some other sellers. Confirm against the Division of Taxation schedule.
What else does a seller pay at closing in New Jersey?
The commission set in the listing agreement, the attorney, the association’s resale certificate and any transfer fees, the mortgage payoff, and adjustments for prepaid taxes and dues to the closing date.
Request a net estimate
For a written net sheet on a specific home, with the transfer fee and supplemental fee run against the schedule in force on your closing date, send the address and unit to [email protected] or book a call.