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Westchester & Putnam County NY

Estimated Real Estate Closing Costs

Seller’s Estimated Closing Costs

• Real Estate Broker Commission 5-6% of Selling Price
• New York State Transfer Tax $4.00 per $1,000 of Sale Price (.4% of sale price)
• Attorney Fee Approximately $1,500.00 +
• Outstanding Mortgage Payoff & County Clerk Recording Fee

Buyer’s Estimated Closing Costs

• Mortgage Fees
• Application Fee  |  Points  |  Appraisal Fee  |  Pro-Rated Interest
• Mansion Tax (1% of entire price if it exceeds $1,000,000)
• Heating Oil in tank as of the closing date (usually current market price per gallon)
• Property Tax Escrow
• Private Mortgage Insurance (if down payment is less than 20%)
• Fire / Hazard Insurance
• Title Insurance (variable based on property’s value, standardized by law)
• Attorney Fee $1,500+
• Title Closer Gratuity (suggested $100.00)