Western NY Closing Costs Calculator

Rochester closing costs include New York-specific fees like the mortgage recording tax and required attorney. Estimate your full cash-to-close amount.

Transaction Details

Purchase Price

Loan Amount

Show costs for

NY-Specific Costs

• Attorney fee is required in New York
• NY Mortgage Tax: 1.0% (under $500K)
• Mansion Tax: 1% on purchases over $1M
• SONYMA can cover some closing costs

Estimated Buyer Closing Costs

$11,176

4.5% of purchase price

Cost Breakdown

Loan Origination Fee (1%)	$2,250
Appraisal Fee	$550
Credit Report	$50
Title Search	$400
Lender Title Insurance	$900
Owner Title Insurance	$1,250
NY Mortgage Recording Tax (Monroe Co.) 1.0% under $500K, 1.05% over	$2,250
Attorney Fee (required in NY) Typically $800-$1,500	$1,200
Home Inspection	$475
Prepaid Interest (15 days)	$558
Escrow Setup (2 months taxes)	$1,013
Escrow Setup (2 months insurance)	$281
Total	$11,176

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