---
title: "New Jersey Home Transfer Planning | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/new-jersey/home-transfer-planning/
description: "New Jersey's 2026 transfer-on-death deed bill hasn't become law, so transferring a home calls for advice on your specific title before you act."
last_updated: 2026-10-20
author: George A. Mellendorf, CLTC, LTCP (Central States Insurance Services, Inc.)
publisher: Funding LTC Marketplace
note: Educational content; not legal, tax or financial advice. Markdown copy of the HTML page at the URL above.
---
New Jersey · Asset Protection Tool

# New Jersey Home Transfer Planning

Last updated 2026-10-20

New Jersey doesn't yet have a settled, general-purpose transfer-on-death deed the way some other states do. A 2026 Senate committee statement describes S3679, which would establish a Uniform Real Property Transfer on Death Act and permit a TOD deed — but the statement describes a bill favorably reported with committee amendments, which is legislative material, not proof that a statutory TOD deed tool is already available for families to use (New Jersey S3679 committee statement).

This research also didn't turn up an enacted New Jersey statute creating a general real-property TOD deed, or any official source establishing a Lady Bird-style enhanced life estate deed as a standard Medicaid-planning tool in the state. The honest conclusion is that there's currently no confirmed statutory TOD or enhanced-life-estate deed option based on the sources reviewed — not that some deed arrangement is impossible for every title situation.

For a New Jersey home, the right starting point is the existing deed itself: current ownership, any mortgage or lien, who the intended beneficiaries are, the tax consequences, and how likely the owner is to need care soon. A New Jersey real-estate and elder-law attorney is the one who can actually determine whether a conventional deed, a retained interest, a trust, or simply no transfer at all is the right move under current law.

## Sources and official resources

- [NJ Human Services: MLTSS Application Guidance](https://nj.gov/humanservices/dmahs/documents/about/NJFC-ABD-MLTSS-BRO-E-2026_Web.pdf)
- [U.S. Code: 42 U.S.C. § 1396p (liens, estate recovery, transfers of assets, Partnership disregard)](https://www.law.cornell.edu/uscode/text/42/1396p)
- [CMS: 2026 SSI and Spousal Impoverishment Standards](https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf)

Rules and figures change. Confirm current details with the agency before you act.

[← Back to the full New Jersey guide](https://fundingltcmarketplace.com/states/new-jersey/)