New York Mortgage Calculator

Rates refresh automatically every day, or enter your own. Property tax and mortgage recording tax for New York and every other state.

30-year fixed

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15-year fixed

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Rates as of

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Home price ($)

Down payment (%)

Down payment ($)

Loan term

Interest rate (%)

State

County

Property tax (%/yr)

Home insurance ($/yr)

HOA / common charges ($/mo)

PMI (%/yr, if <20% down)

Mortgage / recording tax (% of loan, paid at closing)

Use my own rates

Estimated monthly payment

Principal & interest

Property tax

Home insurance

PMI

HOA

Loan summary

Loan amount

Total interest

NY mortgage recording tax (est.)

Cash to close (down + MRT)

30-year rate, past 12 months

Rates are the weekly national averages from the Freddie Mac Primary Mortgage Market Survey (via FRED), checked daily; New York lenders typically quote close to these averages, but your rate depends on credit, points and lender. Property tax and recording tax figures are rough state and county estimates — edit them to match your property. This calculator is for estimates only and is not a loan offer.