NYC Home Closing Tax Stack 2026: Mortgage Recording Tax, RPTT, Mansion Tax, and Every Recording Fee on Closing Day
The full NYC home closing tax map for 2026 — mortgage recording tax at 2.05% to 2.80%, RPTT at 1% or 1.425%, NYS transfer tax at 0.4%, mansion tax at 1% over $1M plus the supplemental tier on residential deals over $2M. Forms, phone numbers, worked totals at three price points, and the closing-day forms checklist.
NYC Property Tax Class 1 vs Class 2: The Assessment Caps That Actually Limit Your Bill (FY2026 Walkthrough)
Class 1 homes get a 6% per year, 20% over five years assessment cap. Class 2 buildings of 10 units or fewer get 8% per year, 30% over five years. Here’s what those caps mean for your FY2026 NYC property tax bill — with the form numbers, the agency phone, and the exact rates.
How to File Your NYC Tax Commission Application for Correction Before the March 2026 Deadlines (TC101, TC108, TC109, TC106)
Step-by-step pre-filing walkthrough for the NYC Tax Commission Application for Correction: the March 2 and March 16, 2026 deadlines, which base form to use (TC101, TC108, TC109, TC106), the supporting TC201 / TC203 / TC309 schedules, the new $175 fee for $2M+ assessments, and the $5.4M TC309 accountant threshold for the 2026/27 tax year.
NYC Disabled Homeowners’ Exemption (DHE) 2026: Income Tiers, Form Application, March 15 Deadline, and How to Stack It With STAR
The NYC Disabled Homeowners’ Exemption cuts your property tax bill by up to 50% — here are the income tiers, the DHE Initial Application form, the March 15 deadline, and the 929-252-7242 PEU help line.
NYC STAR and Enhanced STAR 2026: Income Limits, Forms RP-425-E and RP-425-IVP, and the 2026 Rule Change Every Senior Should Know
Enroll in the New York STAR property-tax credit, upgrade to Enhanced STAR at 65, and use the 2026 rule change that drops non-resident owners from the income test. Forms, phone numbers, and step-by-step walkthrough for NYC homeowners.
NYC Rent Freeze 2026: How SCRIE and DRIE Actually Work — Forms, Phone Numbers, and the One Calendar Trap That Ends Benefits
SCRIE freezes rent for tenants 62+; DRIE freezes rent for tenants 18+ with a qualifying disability. Income cap is $50,000, rent burden must exceed one-third of monthly income, and the apartment must be rent-regulated. Forms, phone, mailing address, and the 60-day renewal trap.
CEMA Mortgage NYC 2026: The Refinance Move That Cuts Mortgage Recording Tax to the Bone (Plain-English Walkthrough)
A Consolidation, Extension, and Modification Agreement — CEMA — lets a NYC homeowner refinance without paying mortgage recording tax on the rolled-over portion of the old loan. This 2026 plain-English guide walks through how a CEMA works, when the math is worth it, the affidavit and Section 255 paperwork that drives the savings, the ACRIS recording mechanics, the fee load, and the phone numbers to call if something looks off.
NYC Real Estate Transfer Tax Filing Walkthrough: Form NYC-RPT, TP-584-NYC, and the 30-Day Clock (2026)
A plain-English filing walkthrough for NYC’s Real Property Transfer Tax. Forms NYC-RPT and TP-584-NYC, the 30-day clock, ACRIS, late-filing penalties, and the agency phone numbers that actually answer.
NYC Property Tax Class 2 Sub-Categories Explained (2a, 2b, 2c): How Small-Building Owners Get Mistakenly Hit With the Big-Building Cap Rules
NYC Class 2 splits into four sub-buckets: 2a (4-6 unit rentals), 2b (7-10 unit rentals), 2c (2-10 unit co-ops/condos), and the 11+ unit big Class 2. The FY2026 rate is 12.439% for all of them, but only 2a/2b/2c get the 8%/year, 30%/5-year assessment cap. Verified against NYC DOF on May 15, 2026.
After You File: The NYC Tax Commission Hearing Walkthrough (2026/27) — How Hearing Officers Actually Decide
Filing your TC application with the NYC Tax Commission is just the start. Here is the plain-English walkthrough of what happens next — the income and expense review, the hearing officer’s role, the $175 fee, the TC309 audit threshold, and the offer-and-acceptance process for the 2026/27 tax year.