Costs & premiums
Premiums, fees and recording taxes
10 guides
Guides in this topic
- Costs & premiums · New York State
Market Value Endorsement and Extended Owner’s Coverage in New York: What They Add and Cost
What the TIRSA Market Value Endorsement and Owner's Extended Protection Policy add to a New York owner's policy, who can get them, and what they cost. - Costs & premiums · New York City
Mortgage Recording Tax in NYC and Westchester: Rates, Who Pays and How to Reduce It
NYC and Westchester mortgage recording tax rates, the lender's 0.25% share, the borrower's net rate, the $30 deduction, and how a CEMA reduces the tax. - Costs & premiums · New York City
NYC and New York State Transfer Taxes: Rates, Who Pays and How They’re Calculated
What is transfer tax in NYC? The NYS transfer tax, NYC RPTT, mansion tax and supplemental tax: rates, who pays, forms and two worked condo examples. - Costs & premiums · New York City
NYC Closing Costs for Buyers and Sellers: Who Usually Pays What
NYC closing costs by side: seller transfer taxes, buyer mansion and mortgage tax, title premiums, ACRIS fees, and how co-ops and new development differ. - Costs & premiums · Long Island
Property Tax Grievance in Nassau and Suffolk, and How Property Taxes Are Adjusted at Closing
How Nassau ARC appeals and Suffolk Grievance Day work, SCAR deadlines and fees, Long Island tax bill dates, and how taxes are prorated at closing. - Costs & premiums · New York City
The New York Title Bill, Line by Line: Premium, Searches, Endorsements and Closer Fees
What appears on a New York title bill, which charges are set by the filed TIRSA rate manual, which are ancillary fees, and which are taxes passed through. - Costs & premiums · New York State
TIRSA Refinance Rates in Plain English: Sections 12, 12A and 12B, and Why New York Has No Reissue Rate
How New York prices a refinance loan policy: the Section 12 refinance rate, the 12A and 12B discounts, the 10-year rule, and worked Zone 2 examples. - Costs & premiums · New York State
Title Insurance Endorsements in New York: What Each One Does and What It Costs
The TIRSA and ALTA endorsements used on New York owner's and loan policies: what each adds, when it is used, and its filed charge and manual section. - Costs & premiums · Westchester County
Westchester Closing Costs for Buyers and Sellers, Including Yonkers
Westchester County closing costs: state transfer and mansion tax, mortgage tax, County Clerk fees, city transfer taxes and title premiums. - Costs & premiums · New York City
What Title Insurance Costs in NYC and Westchester, and What the Premium Includes
How New York title insurance premiums are set, the TIRSA Zone 2 rates for NYC and Westchester, worked examples, and what the premium does and does not cover.