About & methodology

NJ Home Numbers helps New Jersey buyers and sellers compare the costs of owning and transferring a home. These planning tools are provided by Narayanaswamy “Sam” Jogannagari, REALTOR® with Keller Williams Greater Brunswick. They do not provide loan offers or tax or legal advice.

How calculations work

Monthly estimates use fixed-rate amortization with taxes and insurance divided by 12. Buyer estimates itemize user-entered service costs, prepaid interest on a 365-day basis, insurance, escrow, deposits, and credits. Seller estimates use the published NJ transfer-fee schedules and Graduated Percent Fee rates.

Fees were checked against the NJ Division of Taxation on October 5, 2026. No automated legal or rate updates are enabled. Each calculator explains its assumptions and exclusions.

Examples, not quotes

Interest rates, taxes, insurance, commissions, and service fees shown by default are illustrative. No live lender rates or address-based property data are retrieved. Results are estimates and may differ from your Loan Estimate, Closing Disclosure, tax bill, or attorney’s statement.

About Sam

Sam is based in Hillsborough and brings a background in technology leadership and real-estate investing to his work with buyers and sellers. He speaks English, Telugu, and Hindi. His brokerage is Keller Williams Greater Brunswick.

Your scenarios

Saving is optional and uses browser storage on this device. Saved values are not sent to us. You can delete saved scenarios using the calculator’s controls.