NYC + Long Island Real Estate Calculators

🏠 Mortgage Payment Calculator

Monthly P&I, taxes, insurance, FHA MIP/PMI. NY-specific defaults. Output includes total interest paid + payoff date.

How much home can you actually afford? Inputs your income, debts, savings. Outputs FHA / conventional / SONYMA scenarios.

5-year break-even analysis with full NY closing costs (6–8% sell-side), opportunity cost, and appreciation modeling.

Generic mortgage calculators don't include the line items that move the math significantly in New York:

Mansion tax — kicks in at $1M sale price (1%); climbs to 3.9% at $25M+. Buyer-paid in NY.
RPTT (Real Property Transfer Tax) — NYC adds 1% under $500K and 1.425% above; seller-paid.
Mortgage recording tax — 1.8% (under $500K) to 1.925% on the loan amount; buyer-paid.
NYS transfer tax — $2 per $500 of price (0.4%); seller-paid.
SONYMA $15K Down-Payment Assistance — first-time-buyer grant, NY-specific.
FHA MIP for life of loan when down payment under 10% — many calcs assume MIP drops at 78% LTV (it doesn't on FHA).

Our calculators include all of these. For a personalized net-sheet on a specific home, call (917) 705-0132.