Reinstatement means paying every missed payment plus late fees and the lender's allowable costs in one lump sum. New Jersey's Fair Foreclosure Act gives homeowners the right to cure this way up to the entry of final judgment.
The exact number comes from a reinstatement quote, which you request from your servicer in writing; it itemizes arrears, fees, attorney costs, and escrow shortages, and it comes with an expiration date because the total grows daily. The right to reinstate is one of the strongest cards a New Jersey homeowner holds, because paying the quote returns the loan to good standing as if the default never happened, and the foreclosure is dismissed.
Where the money comes from in practice: a family loan, a 401(k) loan or hardship withdrawal, selling another asset, or, for owners with equity, a refinance or sale of the home itself. If you can get close to the number but not all the way, tell the servicer; partial reinstatement plus a repayment plan for the rest is a common loss-mitigation outcome. Always demand the quote in writing and pay by a trackable method.
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Educational information, not legal advice. Your own court documents control your deadlines; a licensed New Jersey attorney can confirm what applies to your case.