Closing costs, rent vs buy, condo vs brownstone, and mortgage carrying costs — built for NYC townhouses and brownstones, not generic national calculators.
Smooth transaction with limited risk
No pressure to over pay and buy within a certain time period
A team of people that will be with you even after the transaction is complete
Generic mortgage and closing-cost tools miss what makes a brownstone purchase different in New York City: mansion tax brackets, transfer taxes that shift by price and borough, attorney norms, and carrying costs that look nothing like a condo common charge. These calculators are built around that reality — so you can pressure-test a bid before you fall in love with a building.
Use the NYC mortgage calculator for monthly payment math, the buyer and seller closing-cost tools for cash-to-close and net proceeds, and the rent-vs-buy / condo-vs-brownstone tools when you are still choosing a path.
When you are ready for a second opinion on the numbers, book a consultation or call (646) 970-1078.
Yes. Every tool on this page is free. Some results can be emailed to you so you can revisit the numbers while touring or negotiating.
No. They are planning tools. Final closing figures come from your lender, title company, and attorney. Use the outputs to ask better questions and set a realistic budget.
Start with the mortgage calculator if you need a monthly payment range. If you already have a target price, run the buyer closing-cost calculator next so you know cash-to-close. Sellers should begin with the seller closing-cost tool.
Absolutely. Bring your saved estimates to a call or consultation — we will stress-test assumptions against current comps, financing paths, and the specific building you are considering.
Estimate monthly payment, taxes, and carrying costs before you make an offer.
Project transfer taxes, attorney fees, and total cash needed to close.
See net proceeds after commissions, transfer taxes, and seller fees.
Compare the long-term cost of renting versus owning a brownstone.
Weigh monthly costs between a condo and an income-producing brownstone.
Estimate the mortgage recording tax you save by taking over the seller's loan.
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Posted on GoogleStanley was great to work with. He worked with our schedule, took the time to understand our priorities, showed us a range of properties in different areas that could suit our needs and helped us strategize our approach. He was also a great resource in helping us find local connections for inspections, repairs, etc.…
Posted on GoogleThank you for a streamlined process from start to finish ensuring the right place was found and secured without haste!
Posted on GoogleWe had a great experience working with Stanley. He taught us a lot about the specific market we were looking in, which enabled us to make a very good decision on purchase of a new home.
Posted on GoogleStanley was the dream real estate agent we didn’t know we deserved! From the beginning he was attentive to our curiosity to help us figure out what type of property we wanted - and could afford. Throughout the process he was a calm and patient presence in our lives, offering us sincere and sage perspectives to keep u…
Posted on GoogleStanley is amazing! No one knows the Harlem market better than him, and his deep expertise was a tremendous resource. He taught me along the way how to spot 'red flags' and talked me out of making an offer on a place that seemed amazing but had, upon his close inspection, evidence of poor workmanship and lots of cut co…
Posted on GoogleStan is extremely knowledgeable and professional. He also has the utmost patience! He helped me sell my home and purchase a condo at the same time. My home had all types of special contingencies but he was able to find me a buyer and get me very close to the price I wanted. I was very specific in terms of the property…
Posted on GoogleStanley is the consummate professional! He made sure my listing has excellent and consistent foot traffic and quality candidates for our showings. This sale had some challenges, but Stanley never wavered. Ultimately we were successful and I’ll use him again and again for future real estate transactions.
Practical guides from Stanley Montfort on buying, selling, and pricing NYC homes.
Estimate monthly payments and closing costs before you start your search.
How brownstone financing works, from pre-approval to closing.
How first-time buyers can choose a mortgage and set a realistic budget.
Reach out for buyer representation, listing strategy, or a confidential valuation with Stanley Montfort.