Know your numbers
before you sign anything.
Five tools built for how NYC housing actually works — co-ops with board reserves, condos with closing-cost math, rentals with FARE Act rules, affordable housing with HPD's AMI framework, and a side-by-side comparison dashboard.
Reverse-engineer your maximum co-op purchase price, factoring in board-mandated post-close reserves and strict DTI limits most mortgage calculators ignore.
- Board reserve requirements (12–24 months)
- Co-op board DTI (typically 25–30%)
- Flip tax & variable closing costs
- Down-payment optimizer with chart
Find your maximum condo purchase price with lender-style DTI, mansion tax cliff math, mortgage recording tax, and title insurance calculated precisely.
- Lender back-end DTI (43% default)
- Mansion tax tiers ($1M–$25M+)
- Mortgage recording tax on loan amount
- Separate common charges, taxes & insurance
Find your maximum affordable monthly rent accounting for NYC's 40× income rule, FARE Act broker fee protections, security deposit law, and move-in cash requirements.
- 40× income multiplier screening
- FARE Act broker fee rules (June 2025)
- Security deposit cap (1 month)
- Reserve buffer & move-in cash waterfall
Find your AMI percentage, check Housing Connect eligibility across all income bands, and see HPD's affordable rent framework for every unit size.
- AMI % from household size & income
- Housing Connect band eligibility (30–130%)
- HPD affordable rent table by unit size
- Editable FY2024 AMI reference values
Use your saved profile to compare rent, co-op, and condo affordability side by side with cash required, monthly cost, DTI, reserves, and binding constraints.
- Reads your saved browser profile
- Rent vs co-op vs condo maxes
- Cash, monthly cost, DTI & reserves
- Links back into each calculator