NON-QM Estimates

Cost estimate using the NON-QM lender fee schedule (higher origination + appraisal review + tax service). Otherwise mirrors the standard Cash to Close calculator.

Property & Transaction

Purchase Refinance

State — pick your state (affects transfer tax & escrow) County / City — select one Property Type — affects appraisal & rate First-Time Buyer?

Sale Price

Annual Property Tax

Annual Homeowners Insurance

Monthly HOA / Condo Fee — $0 if none

Seller Concession / Lender Credit

Earnest Money Already Paid

Prepaids

Days of Prepaid Interest — estimated mid-month · set at closing HOI Months Prepaid — lender requires 12 months

Loan Scenarios

Add up to 3 scenarios to compare side-by-side.

Your Estimate

Purchase · NJ

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This calculator is for illustration purposes only and does not constitute a Loan Estimate under RESPA/TILA. Actual costs depend on credit, property, title work, and current market conditions. Transfer-tax and recording-fee rates verified as of 2026 — confirm with your title company. Terry Kravaris · NMLS 959719 · Movement Mortgage, LLC · NMLS 39179.