Mortgage Calculator · Rockland County NY

Know your payment before you fall in love.

Full monthly payment and exact NY cash-to-close — taxes, insurance, PMI, mortgage recording tax, title insurance, and every fee broken out.

Down payment20%
$
%
Total monthly payment
$4,724
20% down · 30-yr · 6.5%
Principal
$542
Interest
$3,250
P & I
$3,792
Taxes
$781
Insurance
$150
PMI
$0
HOA
$0
Loan amount
$600,000
Total cash to close
$168,903
Down payment
$150,000
Closing costs (NY est.)
$18,903
View closing breakdown →
Government Taxes$7,800
Mortgage Tax — Buyer's Portion (1.05%)$6,300
Mortgage Tax — Lender's Portion (0.25%)$1,500
Title Insurance$3,868
Owner's liability$3,250
Loan liability$618
Title Company Fees$1,035
Bankruptcy Search$50
Patriot's Search$20
Overnights$50
Waiver of Arbitration$50
Environmental Endorsement$50
Escrow Service Fee$50
Mortgage Recording Fee$200
Deed Recording Fee$145
Municipals$295
Transfer Tax Filing Fee$125
Other Estimated Costs$6,200
Attorney fee (estimate)$2,000
Lender fees (origination, appraisal, underwriting)$1,200
Escrows & prepaids (taxes, insurance)$3,000

Title insurance, mortgage tax & recording fees use standard NY title-company schedules. Attorney, lender, and prepaid escrow figures vary.

Compare down payment scenarios
Trade off cash up front vs. monthly payment.
Down %Down $MonthlyPMICash to Close
3%$22,500$5,802$273$43,192
5%$37,500$5,702$267$57,981
10%$75,000$5,451$253$94,956
15%$112,500$5,200$239$131,930
20%$150,000$4,724—$168,903
25%$187,500$4,487—$205,876