Mercer County Installment Contract for Deed Form (New Jersey)
What You Get
- Mercer County-Specific Documents
- Fillable PDF Format
- Unlimited Personal Use
- Free Bonus Documents
How It Works
- 1Order & Download
- 2Fill Out on Computer
- 3Print & Sign
- 4Record at County Office
Where to Record
Mercer County Clerk
by Jan 19: 240 W State St, 6th floor / PO Box 8068
Trenton, New Jersey

Mercer County Installment Contract for Deed Form
Fill in the blank Installment Contract for Deed form formatted to comply with all New Jersey recording and content requirements.

Mercer County Installment Contract for Deed Guide
Line by line guide explaining every blank on the Installment Contract for Deed form.

Mercer County Completed Example of the Installment Contract for Deed Document
Example of a properly completed New Jersey Installment Contract for Deed document for reference.

Mercer County Sellers Disclosure Form
Seller discloses known property conditions.

Mercer County Lead Based Paint Disclosure Form
Use for property built after 1978

Mercer County Annual Accounting Statement Form
Issued to buyer for fiscal year reporting of principal, interest, etc.
Additional New Jersey and Mercer County documents included at no extra charge:
Where to Record Your Documents
Mercer County Clerk
Address:
by Jan 19: 240 W State St, 6th floor / PO Box 8068
Trenton, New Jersey 08650
Hours: 8:30 to 4:30 M-F
Phone: (609) 989-6466
Recording Tips for Mercer County:
- Check that your notary's commission hasn't expired
- Check margin requirements - usually 1-2 inches at top
- Avoid the last business day of the month when possible
- Recorded documents become public record - avoid including SSNs
- Verify the recording date if timing is critical for your transaction
Cities and Jurisdictions in Mercer County
Properties in any of these areas use Mercer County forms:
- Hightstown
- Hopewell
- Lawrence Township
- Pennington
- Princeton
- Princeton Junction
- Titusville
- Trenton
- West Windsor
- Windsor
How do I get my forms?
Forms are available for immediate download after payment. The Mercer County forms will be in your account ready to download to your computer. An account is created for you during checkout if you don't have one. Forms are NOT emailed.
Are these forms guaranteed to be recordable in Mercer County?
Yes. Our form blanks are guaranteed to meet or exceed all formatting requirements set forth by Mercer County including margin requirements, content requirements, font and font size requirements.
Can I reuse these forms?
Yes. You can reuse the forms for your personal use. For example, if you have multiple properties in Mercer County you only need to order once.
What do I need to use these forms?
The forms are PDFs that you fill out on your computer. You'll need Adobe Reader (free software that most computers already have). You do NOT enter your property information online - you download the blank forms and complete them privately on your own computer.
Are there any recurring fees?
No. This is a one-time purchase. Nothing to cancel, no memberships, no recurring fees.
How much does it cost to record in Mercer County?
Recording fees in Mercer County vary. Contact the recorder's office at (609) 989-6466 for current fees.
Have other questions? Contact our support team
A "Contract for Deed" (also known as an installment land contract, land contract, or contract for sale) is a legal agreement where the buyer makes payments directly to the seller in exchange for the right to use the property. The buyer receives the deed and full ownership of the property only after all payments have been made.
Statutes and Legal Framework:
1. While New Jersey does not have specific statutes solely governing Contracts for Deed, they are generally governed by principles of contract law, real estate law, and consumer protection laws.
Key statutes include the New Jersey Consumer Fraud Act (N.J.S.A. 56:8-1 et seq.), which could apply to the contract if there is any fraud or deception involved.
2. Disclosure Requirements:
Sellers must provide accurate and complete disclosures regarding the property's condition, any liens, and any other material facts. Failing to do so may result in a violation of the Consumer Fraud Act.
If the contract is entered into without full disclosure or under deceptive terms, it may be considered voidable.
3. Recording the Contract:
While it is not always required to record a Contract for Deed, it is strongly advised. Recording the contract protects the buyer's interest in the property against future claims or liens against the seller.
4. Default and Foreclosure:
If the buyer defaults on the contract, the seller may initiate a foreclosure-like process. However, because this is a non-mortgage transaction, the process can vary, and the seller might be able to evict the buyer through summary eviction proceedings rather than formal foreclosure.
In some cases, New Jersey courts have treated Contract for Deed arrangements similarly to mortgages, requiring sellers to undergo judicial foreclosure to reclaim the property.
5. Right to Cure Default:
The contract should clearly state the buyer's rights if they default, including any grace period to cure the default before the seller can take action.
6. Interest Rates and Financing Terms:
The interest rate and financing terms must comply with New Jersey’s usury laws. If the interest rate exceeds the legal limit, the contract could be voided or reformed by a court.
Procedures for Using a Contract for Deed
1. Drafting the Contract:
The contract must include all essential terms: purchase price, payment schedule, interest rate, penalties for default, responsibilities for taxes and insurance, and the date when the deed will be transferred.
Legal counsel is often necessary to ensure that the contract complies with New Jersey law.
2. Execution and Recording:
Both parties must sign the contract, and it should be notarized. Recording the contract with the county clerk where the property is located is advisable.
3. Payment and Maintenance:
The buyer makes monthly installment payments to the seller, who retains legal title until the contract is fully paid.
The buyer takes on responsibilities such as property taxes, insurance, and maintenance.
Terms and uses
1. TITLE AND TITLE INSURANCE. Seller shall provide Buyer with a standard form owner’s policy of title insurance in the amount of the purchase price. The title policy to be issued shall contain no exceptions other than those provided in said standard form plus encumbrances or defects approved by Buyer as provided below.
2. DEED Of CONVEYANCE. Upon receipt of Buyer's payment in full of the balance of the purchase price, Seller shall furnish a General Warranty Deed, conveying to Buyer title to the property.
3. LATE CHARGE: Any above noted payment which is at least days past due, shall be subject to a late charge of $ And an additional $ per day until the payment is received. If any balloon payment is late, it shall be subject to a late fee of $ per day.
4. Uses include residential property, rental property up to 4 units, condominiums, and planned unit developments. Traditional installment payment with or without a balloon payment.
For use in New Jersey only.
Important: Your property must be located in Mercer County to use these forms. Documents should be recorded at the office below.
This Installment Contract for Deed meets all recording requirements specific to Mercer County.
Our Promise
The documents you receive here will meet, or exceed, the Mercer County recording requirements for formatting. If there's an issue caused by our formatting, we'll make it right and refund your payment.
Save Time and Money
Get your Mercer County Installment Contract for Deed form done right the first time with Deeds.com Uniform Conveyancing Blanks. At Deeds.com, we understand that your time and money are valuable resources, and we don't want you to face a penalty fee or rejection imposed by a county recorder for submitting nonstandard documents. We constantly review and update our forms to meet rapidly changing state and county recording requirements for roughly 3,500 counties and local jurisdictions.
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June 23rd, 2022
So easy to use. Would recommend.
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April 2nd, 2019
Excellent, easy to operate, saved $$$ by doing this TOD deed myself. WILL BUY AGAIN!!
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June 15th, 2022
Very helpful and efficient
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September 17th, 2020
Impressed with how quick the process was to e-record our documents. Will recommend this service to anyone needing to record a document.
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December 11th, 2019
Very easy to use. However, the "sample" filled in red ink did not print for me to refer to. Is that the correct desire, not to print?
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May 14th, 2022
I ordered the wrong forms at first because I'm an idiot and didn't do my research. When I told the customer service about my error they were understanding.
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September 16th, 2024
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November 24th, 2020
It would be helpful to have a frequently asked questions section. That would make it easier to know I have the correct form. Sherry
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June 17th, 2023
Hopefully filling out and filing the paperwork is as easy as this was.
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March 18th, 2021
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August 20th, 2020
Site is very well laid out and easy to use. My only issue is that it wouldn't allow me to change my password, so I'm stuck with the "temporary" one. Not a big deal, but I would have preferred to change it.
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July 19th, 2023
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May 9th, 2024
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Donna J.
May 22nd, 2019
what do you do with it once filled out. doesn't tell you
Generally, once the documents are completed and executed they are recorded with the recorder where the property is located.
Joseph B.
September 8th, 2022
All very good
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