Hi Charles - in NJ (northern NJ, anyway) we use attorney's for our closings. In parts of southern NJ , they use the title companies.
If you want, when you make an offer on a home, your agent can help you structure your offer to include closing costs, that will be paid by the seller.
Now, if you're paying your own closing costs - here's what to expect.
1. Depending on where you are buying, the cost of the attorney (paid separately by the buyer and seller) can run from $750-1250.
2. Another cost is for Title Insurance - this is paid by the buyer, and there is a formula, based on the sales price, to calculate the actual cost. Any title insurance agent or attorney can give you the exact number - you can even google it yourself!
(The sellers will pay a fee called the "Realty Transfer fee/tax" - that's their responsibility, as well as the real estate commission if their home is listed with an agent)
3. Another buyer fee is the cost of the home inspection (approx. $400-800 total) - this includes an engineering , radon and termite report. Other inspections may be performed, such as septic tank, soil testing where oil tanks are involved, mold testing if indicated, etc..........depending on the home and location.
4. There will be fees associated with obtaining a mortgage, but the loan officer will go over these costs.
5. There are also some misc. fees in regard to filing the deed , tax adjustments and even adjustments if there is a filled oil tank..........but all of these aditional fees are minimal compared to the ones mentioned above.
Hope this helps!
Good luck with your purchase!
Of course, if you have an agent, they should also go over these costs with you in detail.
Best wishes, and happy Thanksgiving!