01 · Monthly Payment
What you'll actually pay every month.
P&I plus the line items that get glossed over: common charges or maintenance, NYC property tax, and homeowners insurance. Switch property type — the math shifts.
Inputs
Property type
Your true monthly
All-in payment
$8,038
Principal & interest
$6,403
Common charges
$950
Property tax
If the building has a 421-a / J-51 abatement, set the abatement % above.
$600
Homeowners insurance
$85
NYC one-time at closing
Mansion tax$12,5001.00% tier · $12,500Effective rate1.00%1.00% on full price = $12,500
Loan snapshot
Down payment$250,000Loan amount$1,000,000Rate / term6.625% · 30yr
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