04 · 過戶費用

每一筆費用，沒有任何意外。

紐約買方過戶費用依房屋類型而異。Condo 與 Townhouse 要付 MRT 與產權保險；Co-op 則是 UCC-1、留置權搜尋、Recognition Agreement 與股權轉讓。Townhouse 還要加測量、檢驗與供水/下水道查核。我們每一種都正確建模。

與顧問交談

輸入資料

房屋類型

購買價格

頭期款

Professional + lender

律師費$2,500–$4,000+

銀行/貸款方費用origination + appraisal + app

Title

產權搜尋與檢驗$500–$1,500

Building / board

Condo application fee

入住費non-refundable

入住押金refundable — excluded from total

Prorated adjustments at closing

Common Charges 調整prorated

地產稅調整prorated

UCC-1 登記費（如適用）~$75

Sponsor / new development unitBuyer typically pays the sponsor's NYC + NYS transfer taxes (~1.4% under $500K, ~1.825% $500K–$3M, ~2.075% $3M+) on new construction.

總過戶費用

Cash needed at closing

$44,105

Plus your 20% down payment of $240,000. Refundable move-in deposit of $1,000 is collected at closing but not included above.

豪宅稅 (Mansion Tax)

Progressive 1.0% → 3.9% on residential ≥ $1M. Paid by buyer. 1.00% tier · $12,000.

$12,000

抵押貸款登記稅 (MRT)

1.8% (<$500K) or 1.925% (≥$500K) of loan, less 0.25% the lender pays.

$16,080

產權保險

~0.4–0.5% of price — protects your ownership.

$5,400

抵押貸款產權保單

$2,400

產權搜尋與檢驗

$1,000

律師費

$3,500

銀行/貸款方費用

Origination, appraisal, application.

$2,000

Condo application fee

$750

入住費

Non-refundable

$500

Common charges adjustment

Prorated at closing.

Real estate tax adjustment

Prorated at closing.

Recording fees

$250–$500.

$400

UCC-1 filing

If applicable (~$75).

$75

Move-in deposit (refundable)

Returned after move-in if no damage. Not added to total.

$1,000

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