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New Jersey purchase title estimate. Results update live; buyer details are required only to print or save. Email is optional. Details stay in this window unless you explicitly request an explanation, open an email draft, or submit an order.
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Your estimate
Understand Your Title Insurance Options
Christopher Brown | ClosePoint USA
Learn how Standard and Enhanced coverage differ, including protection against certain title fraud after closing.
Enter a purchase price and loan amount and select a county to see figures.
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Proration assumptions
Property tax: pending — Projected closing date, Annual estimated property taxes.
Seller assumed paid property taxes through the last day of the calendar quarter containing closing (Jan–Mar, Apr–Jun, Jul–Sep, Oct–Dec). Actual-days method: annual tax ÷ days in closing year × days. No tax escrow or lender reserve is calculated.
HOA / condo dues: none (no recurring dues).
Seller assumed paid through the closing month. Quarterly and annual dues are converted to a monthly equivalent for this estimate. The association's actual prepaid balance is verified at closing.
Coverage summary
Standard: helps protect against covered pre-policy title defects, defective documents, fraud and forgery, liens and other clouds in the chain of title through the policy date.
Enhanced: includes Standard protection plus additional covered risks, including specified post-policy risks such as forgery and impersonation while you own the property, subject to policy terms.
Both premiums are paid once at closing and are subject to New Jersey filed rates, policy conditions, exceptions and exclusions. Some enhanced protections may carry deductibles or liability limits. All coverage is subject to issuance eligibility. ALTA policy comparison
Assumptions & internal review notes
- Premium basis: $0 (greater of purchase price and loan amount; cash — owner policy only).
- CCR endorsement was requested as ALTA 9.1. The NJ rate manual lists ALTA 9.1 as an owner's unimproved-land endorsement, not a lender endorsement. The customer quote shows a generic CCR line at $25; the correct form must be confirmed with the underwriter.
- Survey endorsement and ALTA 6.1 are not explicitly listed in manual section 4.8 enhanced-package list. Treating them as included in the Enhanced package is a CPUSA package assumption, not legally verified.
- Enhanced endorsement inclusion is a package estimate pending underwriting confirmation; it is not a statement that all endorsements are included in all enhanced policies.
- Enhanced (side-by-side) display is limited to primary-residence 1–4 family properties by CPUSA app rule. This is not a statement of universal NJ eligibility.
- Simultaneous issue: one premium is computed on the greater of purchase price or loan amount, plus a single $25 simultaneous lender policy charge.
Rate details & sources
Configuration version CPUSA-NJ-2023.11-v1. Rates are fixed in this tool — no live rate updates.
Source: New Jersey Title Insurance Rate Manual (NJRB), effective 11/01/2023
Standard rate per $1,000 or fraction: first $100k $5.25; to $500k $4.25; to $2M $2.75; excess $2.00. Coverage rounded up to $1,000; premium rounded to whole dollar; minimum $200. Enhanced = 120% of standard. Simultaneous lender policy $25.
Pending: NJRB Title Rate Manual, effective 11/01/2026 (located, not yet confirmed). Quotes with order dates on or after 11/01/2026 are preliminary.