Buying a Manhattan apartment costs about 2 to 3% of the purchase price in closing costs if you're buying a co-op, and 3 to 6% if you're buying a condo with a mortgage. The biggest line items: NYC and NY State transfer tax (sellers usually pay, but watch out on new development), mortgage recording tax (only on condos), title insurance (only on condos), the mansion tax (kicks in at $1M and up), and your attorney. Below is the full breakdown with worked examples at $1M, $1.5M, a