Run the numbers
Five calculators for the figures that come up in every New York transaction. Everything computes in your browser — nothing you type is transmitted unless you choose to send it to us.
Mortgage calculator
What the monthly payment actually looks like once taxes, insurance and mortgage insurance are in it — and what an extra payment each month does to the term.
Mortgage Calculator
Principal, interest, taxes, insurance, PMI and the full amortization schedule.
Long Island and Westchester taxes run high — use the actual figure from the listing if you have it.
PMI is applied automatically when the loan-to-value ratio exceeds 80%.
| Period | Payment | Principal | Interest | Balance |
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Closing cost estimator
The government portion of your closing costs — the taxes and recording fees that are set by statute rather than negotiated.
Closing Cost Estimator
The government portion of your closing costs — taxes and recording fees.
It does not include the title premium, your attorney's fee, lender charges, appraisal, survey, escrows or adjustments. Ask your attorney for a full estimate.
Recording fee calculator
Deed and mortgage recording charges by county and page count, including transfer report and TP-584 filing fees.
Recording Fee Calculator
Deed and mortgage recording charges by county and page count.
Several counties charge a per-block-and-lot verification fee on each parcel in the instrument.
Transfer tax estimator
New York State transfer tax, the additional base tax, NYC RPTT, mansion tax and the Peconic Bay CPF — split by who customarily pays each one.
Transfer Tax Estimator
New York State, NYC RPTT, mansion tax and Peconic Bay CPF, split by who pays.
The Peconic Bay Community Preservation Fund transfer tax applies in East Hampton, Southampton, Shelter Island, Southold and Riverhead. Exemption amounts and any additional community housing fund charge vary by town — confirm with the town before relying on this figure.
Who bears each tax can be shifted by contract. This shows the customary New York allocation.
Mortgage recording tax & CEMA savings
What the mortgage recording tax costs on a straight refinance, what a consolidation would cost instead, and whether the difference justifies the assignment.
Mortgage Recording Tax & CEMA Savings
What the tax costs on a straight refinance, and what a consolidation would save after costs.
The payoff balance on the existing mortgage that the current holder would assign to the new lender.
Add the new loan amount, the balance being assigned, and the county.
