Estimates

See your closing costs before you commit

Most people sign a contract, then find out what closing actually costs. We think that’s backwards. The calculator below gives you an itemized estimate of your title insurance and settlement costs in about a minute — no email required, no sales call triggered.

Think of it as checking the charts before you leave the dock: you’ll know the whole route to closing, line by line.

How it works

Three steps to a real number

No jargon, no 'call for pricing.' Just answer a couple of questions and read the results.

Pick your scenario

Buying with a mortgage, buying with cash, or refinancing — each one is priced differently, so start by telling the calculator which deal is yours. Then enter your purchase price or loan amount. That's all it needs.

See every line item

Your estimate breaks out the title insurance premium separately from each service charge — search, settlement, recording, and the rest. Nothing is bundled into a mystery 'title fee,' so you can see exactly where every dollar goes.

Save it, share it, act on it

Email the estimate to yourself or download a PDF to forward to your agent or lender. When you're under contract and ready to move, ordering title takes just a few minutes.

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Read it like a pro

How to judge any title estimate — ours included

In New Jersey, title insurance premiums are set by a state-filed rate manual, so the premium itself shouldn’t vary much from one agency to the next. What does vary — sometimes a lot — is everything else on the page. Here’s what to check before you pick a title company.

Compare the service fees, not the premium. The premium is regulated; the fees are where companies differ.
Ask for an itemized breakdown. A single lump-sum 'title charge' is a sign someone doesn't want you looking too closely.
Check what's included. Some quotes leave out searches, recording, or endorsements that show up later as 'extras.'
Hold us to it. Your final settlement statement should look like your estimate — and if something changes, you'll know why before closing day.

Questions about your numbers? Ask us

Estimate FAQ

The fine print, minus the fine print

Can't find your question? Ask us directly — a real person answers.

Why do title insurance premiums look similar across New Jersey companies?

Because they're supposed to. New Jersey title premiums follow a state-filed rate manual, so the premium for a given transaction is essentially standardized. The real differences between title companies show up in their service fees, their responsiveness, and how smoothly they get you to the closing table.

What is a 'simultaneous issue' and why should I care?

When you buy with a mortgage, two policies are typically issued at once: an owner's policy protecting you and a lender's policy protecting your mortgage company. Issuing them together qualifies the lender's policy for a reduced simultaneous-issue rate, which usually makes the owner's coverage a smart add-on rather than a big extra expense. Our calculator applies this automatically when your scenario calls for it.

Is a refinance priced differently than a purchase?

Yes. New Jersey's rate manual includes a separate refinance rate, and a refinance usually involves fewer moving parts than a purchase, which is reflected in the service charges too. Choose the refinance scenario in the calculator and it will price your estimate accordingly.

How close will my estimate be to the final numbers?

Quite close, as long as the details you enter are accurate. Final figures can shift if the property details change, your lender requires specific endorsements, or municipal charges come back differently than expected. Whatever moves, we flag it before closing — you'll never learn about a change by reading your settlement statement.

Like what the numbers say?

Turn your estimate into an open title order in a few minutes — or call us at (732) 895-5137 and a real person will walk you through it.

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