WhatsApp Me
Tools · Calculators

Run the numbers.

Quick, accurate math for Rockland County buyers. Estimate your monthly payment, figure out how much house you can afford, and see real closing costs for NY. Then text me to talk through your situation.

Monthly Mortgage.

P&I + property tax + insurance + PMI. Rockland defaults pre-filled.

Home Price
$
Down Payment
$
Down %
%
Interest Rate
%
Loan Term
yrs
Property Tax Rate Rockland avg: 3.3%
% / yr
Insurance / yr
$
PMI Rate if <20% down
% / yr
Total Monthly Payment
$0
Loan: $0 over 30 yrs at 0%

Breakdown

Principal & Interest$0
Property Tax$0
Homeowner's Insurance$0
PMI$0
Total / Month$0

Over the life of the loan

Total Interest Paid$0
Total of Payments (P&I only)$0

Talk it through with me.

Want to know what you can actually qualify for, or whether to wait? Text me your numbers — I'll send back a real answer.

WhatsApp Yudi →
Heads up: Estimates only — actual taxes vary by town and assessment. Rockland County tax rates run between roughly 2.8% and 3.8% depending on the municipality. Insurance, PMI, and interest rates depend on your lender, credit, and loan program.

How much house?

Standard 28/36 DTI rules. Three tiers: conservative, comfortable, stretched.

Annual Household Income
$
Monthly Debts (car, student, credit card)
$
Cash for Down Payment
$
Interest Rate
%
Loan Term
yrs
Property Tax
% / yr
Insurance / yr
$
Recommended Max
Based on 28% front-end DTI · realistic for most lenders

Affordability Tiers

Conservative22% of gross income on housing
$0
Comfortable28% — the standard lender max
$0
Stretched36% — back-end DTI ceiling, tight budget
$0

Time to get pre-approved.

I'll connect you with a local lender today. Real number, not a calculator estimate. Takes 24 hours.

WhatsApp Yudi →
Reality check: Lender pre-approval will give you a sharper number than any calculator. Your DTI ratios, credit score, employment history, and assets all play in. Use this as a starting frame — then we get you pre-approved before you fall in love with a house you can't close on.

NY closing costs.

Realistic estimate for a Rockland County purchase. Includes NY mortgage recording tax + mansion tax where applicable.

Home Price
$
Down Payment
$
Property Tax for prepaid escrow
% / yr
Insurance Premium / yr
$
Estimated Cash to Close
$0
Down payment + all closing costs

NY-Specific Taxes

NY Mortgage Recording Tax$0
NYS Mansion Tax(if home ≥ $1M)$0
Title Insurance$0

Third-Party Fees

Attorney$2,000
Home Inspection$650
Appraisal$600
Lender Fees$1,500
Recording / Misc$500

Prepaid Items (escrow)

Property Tax (3 months)$0
Insurance (12 months)$0
Closing Costs Subtotal$0
+ Down Payment$0
Cash to Close$0

Want a real GFE?

A Good Faith Estimate from a lender will give you the exact number. I'll set it up — your closing costs in writing in 24 hours.

WhatsApp Yudi →
Heads up on NY: Mortgage recording tax is 1.05% on loans up to $500k, 1.30% above. NY mansion tax kicks in at $1M (1% rate) and escalates with price. Title insurance and attorney fees vary; the above are reasonable averages. Your lender will provide a binding Loan Estimate after pre-approval — that's the number that counts.
WhatsApp