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DNA Score

Risk Flags

Active DOB Applications

Rent Stabilization Analysis

FEMA Flood Risk

HPD DOB NYC Planning StreetEasy FEMA Live data from NYC Open Data APIs. Rent medians from NYCHVS + StreetEasy neighborhood reports. Flood zones from FEMA FIRM panels.

Total Estimated Closing Costs

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— % of purchase price

Transfer Taxes

Mansion Tax

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NYC/NYS Transfer Tax (RPTT)

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Mortgage Recording Tax

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Title & Legal

Title Insurance (Lender's Policy) ~0.45% of purchase price

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Title Search & Exam Typical range

$500–$1,500

Buyer's Attorney Fee Flat fee, residential NYC

$2,000–$3,500

Recording Fees Deed + mortgage

$500–$800

Lender Fees

Loan Origination Fee ~1% of loan amount, negotiable

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Appraisal Fee Required by lender

$500–$900

Bank Attorney Fee Lender's counsel

$800–$1,200

Prepaids & Reserves

Homeowner's Insurance (1 yr prepaid) Typical NYC brownstone

$1,800–$3,500

Property Tax Escrow (2–3 months) If lender requires escrow

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Prepaid Interest (per diem) From close date to 1st payment

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Estimated Total Closing Costs

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Estimates reflect typical NYC buyer-side costs for a 1–3 family townhouse/brownstone with conventional financing. Ranges shown are not guaranteed — get itemized quotes from your lender (Loan Estimate) and attorney before closing. Does not include home inspection, move-in costs, or post-closing reserves.

Total Cash Needed at Closing

Down Payment (20%)

Closing Costs (est.)

Total Cash Required

This is the cash you need on closing day — before any post-closing reserves your lender may require.

NYC Mansion Tax Tiers

The mansion tax is paid by the buyer. It applies to the entire purchase price once a tier threshold is crossed — not just the amount above the threshold.

Part of the $29 full report