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About MyClosingCalc

MyClosingCalc is an independent editorial project dedicated to making real estate closing costs and transfer taxes transparent for buyers, sellers, attorneys, and agents across the United States. Our calculators are built by researchers who track state and municipal recording fee schedules, title insurance rate filings, and mansion/transfer tax statutes — not licensed attorneys or CPAs, but people who read the source documents so you don't have to.

Our tools implement the exact tax brackets and fee formulas published by state departments of taxation, county clerks, and title insurance rating bureaus. We don't guess. We don't use AI to generate numbers. We read the statutes, the promulgated rate schedules, and the recording fee tables — and we build logic engines that apply those rules to your specific transaction.

When rates change — and they do, often annually — we update our data files before the new calendar year begins.

Note: MyClosingCalc is not affiliated with any state department of taxation, county recorder's office, title insurance company, or bar association. We are an independent reference publisher. All tools are for informational purposes only.

Disclaimer & Legal Notice

This website provides general estimates and approximations for closing costs, taxes, and loan repayments in New York City based on current 2026 regulations (including the progressive NYS Mansion Tax rates). The figures shown are for informational purposes only, do not constitute formal legal or financial advice, do not represent an official accounting calculation, and do not establish any attorney-client or brokerage relationship.

Real estate tax laws, title insurance rates, and lender underwriting guidelines are highly complex and subject to change or interpretation. We strongly advise you to consult with a qualified, licensed New York Real Estate Attorney, CPA, or financial advisor before executing any real estate transactions or contract agreements.