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Closing costs, monthly payments, and rent vs. buy analysis for New York City real estate.

Estimate Your Costs

Purchase Details

Adjust the fields below to match your scenario

Estimated Closing Costs

Itemized breakdown based on your inputs. Fees are estimates and may vary.

Taxes
Mansion Tax$0
Title & Insurance
Title Insurance$0
Title Insurance — Endorsements$0
Lender's Title Insurance$0
Title Search Fees$0
Legal & Professional
Attorney Fee$0
Bank & Lender
Application & Credit Check$0
Bank Attorney$0
Appraisal$0
Building
Board Package Processing$0
Credit Check$0
Move-in Fee$0
Move-in Deposit(refundable)$0
Building Questionnaire Fee$0
Government & Title
New developments may require a working capital fund contribution, typically 2 months of common charges. Consult the offering plan for details.
Total Closing Costs $0

Additional costs may include tax escrow, common charges or maintenance adjustments, real estate tax adjustments, and mortgage origination fees — these are pro-rated or vary by lender and are not included above.

Total Closing Costs
$0
0% of purchase price
Est. Monthly Payment
$0
Principal & Interest$0
Property Tax$0
Maintenance$0
Needed to Close
$0
Down payment + closing costs

Sale Details

Adjust the fields below to match your scenario

Estimated Closing Costs

Itemized breakdown based on your inputs. Fees are estimates and may vary.

Commission
Broker Commission$0
Legal
Attorney Fee$0
Building
Managing Agent Fee$0
Move-out Fee$0
Move-out Deposit(refundable)$0
Admin Fee$0
Government
NYC Transfer Tax$0
NY State Transfer Tax$0
Total Closing Costs $0

Actual fees may vary by building, managing agent, and transaction specifics. Consult your attorney for a detailed estimate.

Total Closing Costs
$0
0% of sale price
Estimated Net Proceeds
$0
Sale price − costs − payoff

Your Scenario

Adjust the fields below to match your scenario

Assumptions

Analysis Over 10 Years

How owning compares to renting. Tax savings assume you itemize deductions.

If You Rent
Total Rent PaidiTotal rent over the time horizon, growing at the assumed annual increase rate. $0
Gains from Owning
Rent Avoided +$0
Home Equity GainediFuture home value (at assumed appreciation) minus remaining mortgage balance, minus your original down payment. +$0
Costs of Owning
Closing Costs −$0
Opportunity Cost on Down PaymentiWhat your down payment could have grown to if invested at the assumed return rate, minus the original amount. −$0
Costs to Sell(on projected sale price) −$0
Total Mortgage Payments −$0
Maintenance −$0
Property Taxes −$0
Tax Benefits
Mortgage Interest DeductioniFederal deduction on mortgage interest applied to your marginal rate. Limited to loans up to $750,000 under current tax law (TCJA). +$0
Property Tax Deduction +$0
Maintenance Deduction +$0
Benefit of Owning vs. Renting $0

This comparison is an estimate only. Note: the SALT deduction (state + local taxes) is capped at $10,000/year under current federal law, which may reduce or eliminate the property tax deduction shown above. Please consult your CPA to verify that all tax deductions apply to your individual situation.

Monthly Cost — Buying
$0
Gross monthly payment
Principal & Interest $0
Maintenance $0
Property Taxes $0
Avg. Tax Savings / mo $0
Avg. After-Tax Monthly $0
Monthly Rent — Today
$0
Growing to $0 in yr 10
Benefit of Owning
$0
Over 10 years vs. renting
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Your Numbers

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