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Mortgage Calculator Estimate Your Monthly Payment with Confidence

Use this easy-to-use mortgage calculator to estimate your monthly home payments and understand what you can afford. Adjust home price, down payment, interest rate, and loan terms to see real-time results and make smarter, confident decisions on your home buying journey.

New York Mortgage Calculators
New York State · Glass UI

NY Mortgage Calculator Suite

Eight production-ready calculators tuned for New York homebuyers — including state property tax averages, NYS mortgage recording tax, transfer tax, and mansion tax considerations.

Mortgage Payment Calculator

Estimate your full New York monthly payment — principal & interest, NY property tax, homeowner insurance, PMI, and HOA.

NY avg property tax: 1.72%
Loan details
Adjust any field to see the totals update instantly.
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NY-specific costs at closing (not in monthly): mortgage recording tax (1.80%–2.175% on loans over $500k in NYC), 0.40% state transfer tax, plus 1% mansion tax for properties over $1M.

Adjustable-Rate Mortgage (ARM) Calculator

Project worst-case payment scenarios on a hybrid ARM (5/1, 7/1, 10/1) with NY-typical caps.

SOFR-indexed ARMs in NY
ARM structure
Configure the initial period, caps, and margin.
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Amortization Calculator

See exactly how much of every payment goes to principal vs interest, year by year.

Standard fixed-rate
Loan inputs
Generates a full month-by-month schedule.
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Monthly P&I
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Total interest
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Total paid
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Payoff
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Debt-to-Income Ratio Calculator

Most NY lenders cap front-end DTI at ~28% and back-end at ~43–45%. See where you stand.

QM rule: ≤43%
Income & debts
Use gross monthly figures (before taxes).
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Down Payment Calculator

How much should you put down, and when can you reach your goal?

SONYMA grants available
Goal & savings
Plan your savings runway with NY closing costs included.
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Home Sale Calculator

Net proceeds after agent commission, NY transfer tax, mansion tax, and remaining mortgage.

NY transfer tax: 0.40%
Sale details
All NY-specific seller costs are included by default.
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Mortgage Comparison Calculator

Side-by-side comparison of three loan scenarios — payment, interest paid, and break-even.

3 scenarios
Compare three loans
Adjust each card; the totals update live.
Side-by-side results
MetricLoan ALoan BLoan C

Mortgage Payoff Calculator

How much sooner — and how much cheaper — you can pay off your NY mortgage with extra payments.

No prepayment penalty in NY
Current loan
Add an extra monthly amount or a one-time lump sum.
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Important Notice — Please Read Before Using These Calculators

The mortgage calculators on this page are provided by Agatha Lubas / Homes by Agatha as a free, general-information tool for prospective and current New York State homebuyers, sellers, and homeowners. By accessing or using these calculators, you acknowledge and agree to the terms set forth below.

1. No Financial, Tax, Legal, or Lending Advice

The information, estimates, and outputs generated by these calculators are for educational and illustrative purposes only and do not constitute financial, mortgage, investment, accounting, tax, or legal advice. Agatha Lubas and Homes by Agatha are not licensed mortgage lenders, mortgage loan originators, mortgage brokers, certified public accountants, tax preparers, financial advisors, or attorneys. Nothing displayed here should be relied upon as a substitute for advice from a qualified, licensed professional. You are strongly encouraged to consult a licensed New York State mortgage loan originator (NMLS-registered), a licensed real estate attorney, a certified public accountant, and/or a licensed financial advisor before making any borrowing, purchasing, refinancing, or selling decision.

2. Not a Loan Offer or Commitment

These calculators do not represent a loan estimate, pre-approval, pre-qualification, commitment to lend, advertisement of credit terms, or quote of any specific loan product. Actual loan terms, interest rates, annual percentage rates (APR), discount points, fees, eligibility, and approval depend on lender underwriting, credit history, debt-to-income ratio, loan-to-value ratio, property type, occupancy, documentation, market conditions, and other factors not modeled here.

3. Estimates Only — Accuracy Disclaimer

All output figures are estimates based on user-supplied inputs and simplified mathematical models. Real-world figures may differ materially due to, without limitation: actual property tax assessments and millage rates by city/town/county/school district, STAR exemption eligibility, NYC ABCs and SCRIE/DRIE programs, condominium common charges, cooperative maintenance and underlying mortgage allocations, flip taxes, title insurance premiums (regulated by the New York Department of Financial Services), mortgage recording tax (NY Tax Law §253), New York State Real Estate Transfer Tax (NY Tax Law §1402), the additional New York City Real Property Transfer Tax (RPTT, Title 11, Chapter 21), the additional Mansion Tax for properties at or above $1,000,000 (and supplemental NYC tiers up to 3.9%), Consolidation, Extension and Modification Agreements (CEMAs), private mortgage insurance, FHA/VA/USDA program rules, and homeowner association assessments. No representation or warranty, express or implied, is made as to the accuracy, completeness, timeliness, or suitability of any calculation.

4. Limitation of Liability — Calculator Malfunction & Errors

Agatha Lubas and Homes by Agatha shall not be held responsible or liable, in whole or in part, for any malfunction, defect, error, miscalculation, software bug, browser incompatibility, rounding inaccuracy, data-entry mistake, server outage, downtime, interruption, hyperlink failure, third-party script error, or any other technical or computational issue affecting these online calculators. To the maximum extent permitted by applicable law, Agatha Lubas, Homes by Agatha, and any affiliated brokerage, agent, employee, contractor, vendor, or service provider expressly disclaim all liability for any direct, indirect, incidental, special, consequential, exemplary, punitive, or other damages — including but not limited to lost profits, lost opportunities, lost savings, increased borrowing costs, missed closing dates, contract penalties, transactional damages, or emotional distress — arising out of or in any way connected to: (a) the use of, inability to use, or reliance on these calculators; (b) any decision made or action taken (or not taken) based upon their output; (c) any errors, omissions, inaccuracies, or defects in the calculators or underlying code; or (d) unauthorized access, alteration, or use of the calculators by any third party. Use of these calculators is entirely at your own risk.

5. "AS-IS" / "AS-AVAILABLE" Warranty Disclaimer

These calculators and all related content are provided strictly on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express, implied, statutory, or otherwise, including without limitation any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, or freedom from computer viruses or other harmful components. Some jurisdictions do not allow the disclaimer of certain warranties, so portions of this disclaimer may not apply to you.

6. Hold Harmless / Indemnification

By using these calculators, you agree to defend, indemnify, and hold harmless Agatha Lubas, Homes by Agatha, and their respective licensors, sponsoring brokerage, affiliates, officers, directors, employees, contractors, agents, and successors from and against any and all claims, damages, obligations, losses, liabilities, costs, debts, and expenses (including but not limited to attorneys' fees) arising from or relating to your use of, or reliance upon, these calculators or any output produced by them.

7. Real Estate Brokerage Disclosure (New York State)

Agatha Lubas is a real estate licensee in the State of New York. Real estate brokerage services are offered through her sponsoring licensed real estate broker. Insert sponsoring brokerage name, address, principal broker, and license number prior to publication. New York State Department of State, Division of Licensing Services, regulates real estate licensees pursuant to Article 12-A of the Real Property Law. As required by 19 NYCRR §175.7 and §175.25, all advertising must clearly identify the licensee and the sponsoring brokerage. The NYS Housing and Anti-Discrimination Disclosure and the NYS Disclosure Form for Buyer and Seller are available upon request and at dos.ny.gov.

8. Equal Housing Opportunity & Fair Housing

Homes by Agatha is committed to the letter and spirit of U.S. policy for the achievement of equal housing opportunity. We do not discriminate on the basis of race, color, religion, creed, national origin, sex, sexual orientation, gender identity or expression, age, disability, marital status, familial status, military status, source of income, lawful occupation, citizenship/immigration status, or any other class protected by the federal Fair Housing Act (42 U.S.C. §§ 3601–3619), the New York State Human Rights Law (Executive Law §296), the New York City Human Rights Law (NYC Admin. Code §8-107), or any other applicable law.

9. NY-Specific Tax & Recording Notes

Calculator outputs reference but do not authoritatively determine: NYS Mortgage Recording Tax (rates vary 1.05%–2.80% by county and loan size), NYS Real Estate Transfer Tax (currently $2 per $500 of consideration, plus 0.25% additional on residential conveyances at or above $3M), the NYC RPTT (1.00%–2.625% depending on property type and price), the NYS Mansion Tax (1.00% at $1M, with NYC supplemental tiers), the NYS STAR/Enhanced STAR property tax credit, and county-level effective property tax rates which range from approximately 0.65% (NYC) to over 2.50% (parts of Western NY and the Southern Tier). Confirm all figures with the relevant taxing authority and your closing attorney.

10. Privacy, Cookies & Data

These calculators perform all computations locally in your browser. No personally identifying financial information is transmitted to or stored by Homes by Agatha through this widget. If embedded on a hosting site, that site's privacy policy, cookie policy, and analytics tools may apply.

11. Accessibility (ADA / WCAG)

Homes by Agatha is committed to digital accessibility consistent with the Americans with Disabilities Act (ADA), Section 508, and the Web Content Accessibility Guidelines (WCAG) 2.1 AA where reasonably achievable. If you encounter an accessibility barrier, please contact us so we can address it.

12. Intellectual Property

"Homes by Agatha" and the related word mark, logos, design elements, calculator user interface, and underlying source code are the property of Agatha Lubas and/or her licensors, protected under U.S. copyright and trademark law. Unauthorized reproduction, redistribution, modification, reverse engineering, or commercial use is prohibited.

13. Governing Law & Severability

These disclosures are governed by the laws of the State of New York, without regard to conflict-of-law principles. Any dispute shall be brought exclusively in the state or federal courts located in New York. If any provision is held unenforceable, the remaining provisions shall remain in full force and effect.

14. Updates

Calculator logic, tax rates, and disclosures may be updated without notice. The version in effect at the time of your use governs that use. Last reviewed: 2026.

Equal Housing Opportunity © 2026 Agatha Lubas · Homes by Agatha. All rights reserved. Licensed Real Estate Salesperson — State of New York

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