Refinance title & settlement estimate

New Jersey refinance title and settlement estimate. Nothing you enter leaves this browser window unless you choose to email it.

For guided help, ask CLAIRA for a New Jersey refinance title and settlement estimate. CLAIRA asks one question at a time and reviews your answers with you before giving an itemized estimate. Chat opens with nothing filled in — your calculator entries are not sent to it, and names and contact details are not needed for a guided estimate. Messages you type in the chat are processed by ClosePoint's chat service (GoHighLevel), so they do not stay only in this browser.

About you (optional)

I am a…

Optional. Included only in an assistance email you choose to send.

Borrower

Borrower name

Email (optional)

Phone (optional)

Property

Street address

City

State

ZIP

NJ county

New loan

Transaction type: Refinance

New loan amount (required)

Enter a positive amount. The lender premium is calculated from this loan amount.

Enter a positive new loan amount to calculate the lender premium.

Returning-client discounts

Answer each question separately. All default to No.

Has the borrower previously PURCHASED a home with ClosePoint USA (any property)?

A prior purchase qualifies for $300 settlement only with a prior property address or file number. A prior refinance does not qualify.

Has the borrower previously purchased OR refinanced THIS property with ClosePoint USA?

Yes applies both $125 searches and $50 title examination. This is independent of the prior-purchase question.

Lender’s title insurance premium

Financing history

I confirm this refinance is for the same borrower on the same property and does not involve a construction mortgage.

Refinance credit does not require a prior ClosePoint USA transaction. Without this confirmation, basic rates apply to the entire new loan.

Prior ORIGINAL mortgage face amount

Use the amount of the original mortgage, not your current payoff balance. Required for refinance credit.

I don't know the original amount

NJRB effective 11/01/2023, §§4.1, 4.2, 4.6.1. Rate manual. Eligibility subject to verification.

Notes for ClosePoint (optional)

Notes

Included in your quote request email. Do not include SSNs or bank details.

Understand Your Refinance Costs

Christopher Brown | ClosePoint USA

Learn about lender’s title insurance and potential savings for qualifying returning clients.

Your estimate

Itemized refinance estimate

ClosePoint USA title & settlement fees

Lender's Calculated Title Insurance PremiumPending — complete the loan and premium eligibility details to calculate	Pending
Settlement Fee	$400.00
County, Upper Court, Flood, Tidelands, Tax & Assessment Searches	$265.00
Title Examination Fee	$100.00
Closing Protection Letter (CPL)	$75.00
ALTA Lender 8.1 Environmental	$25.00
Lender Endorsement ALTA 9 Covenants, Easements and Restrictions	$25.00
Lender No Survey Endorsement NJ 5.1	$25.00
UPS Lender Overnight Delivery Fee	$45.00
Transaction Management Fee	$35.00
ClosePoint fees subtotal	$995.00

County Clerk recording estimate — not a ClosePoint fee

Mortgage recording (estimated, paid to County Clerk)	$225.00
Subtotal	$225.00

Estimated listed fees (excluding title insurance premium)$1,220.00

Title insurance premium pending — not included. Complete the loan and premium eligibility details.

Want an exact quote?

This opens your email app with a message to quotes@closepointusa.com containing this estimate and the details you entered. Nothing is sent until you press Send in your email app.

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Ask CLAIRA

Chat with ClosePoint's AI assistant. Your quote isn't shared automatically. Messages you type are processed by ClosePoint's chat service (GoHighLevel).

What this estimate covers

Listed ClosePoint USA refinance fees plus the estimated County Clerk mortgage recording fee. This is not your complete closing cost.

Includes the calculated lender premium when complete; otherwise shows listed fees only. Excludes lender charges, payoff amounts, escrows, prepaids and other third-party costs. Prior-purchase settlement discount requires evidence. All discounts and premium eligibility are subject to verification. Contact quotes@closepointusa.com or 888-614-0050.

Looking for optional education invitations or updates? Manage them separately at the ClosePoint USA Quote Center: Education invitations & optional updates. Using this calculator never signs you up for anything.