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Mortgage & Closing Cost Calculators

Estimate your monthly payment and what you'll pay at the closing table for a New York City condo or co-op, as a buyer or a seller.

Mortgage Calculator

Purchase price $ Down payment %Most co-ops require at least 20% down; some ask for more. Interest rate %Use the rate your lender quoted you.

Loan term

30 years20 years15 years

Monthly maintenance or common charges $Co-op maintenance already includes the building's property taxes. Monthly property taxes $Condos and houses only. Monthly homeowners insurance $

Estimated monthly payment$0

Principal & interest	$0
Maintenance or common charges	$0
Property taxes	$0
Homeowners insurance	$0

Loan amount

$0

Down payment

$0

Total interest over the loan

$0

NYC Closing Cost Calculator

I'm the

BuyerSeller

Property type

CondoCo-op

Price $

Mortgage amount $Enter 0 if you're paying all cash. New development (buying from the sponsor)

Estimated closing costs$00% of the price

Broker commission	$0
Co-op flip tax	$0
NYC transfer tax (RPTT)1% up to $500,000; 1.425% above	$0
NY State transfer tax0.4%; 0.65% at $3 million and up	$0
Mansion tax1% to 3.9% of the full price at $1 million and up	$0
Mortgage recording tax1.8% of the loan under $500,000; 1.925% at $500,000 and up	$0
Title insurance & recording feesEstimate; varies by title company	$0
Co-op lien search	$0
Bank fees (appraisal, origination, bank attorney)Estimate	$0
Co-op application & move-in feesEstimate; set by the building	$0
Sponsor's attorney feeEstimate	$0
Managing agent, transfer & move-out feesEstimate; set by the building	$0
Mortgage payoff & recording feesEstimate	$0
Your attorneyEstimate; fees vary	$0

Not included: prepaid mortgage interest, escrow deposits for taxes and insurance, and maintenance or common charge adjustments at closing.

These calculators give estimates for planning only, not a loan offer or legal or tax advice. Tax rates are as of October 2026; check current rates and your actual costs with your attorney and lender.