In NY, it is the seller's responsibility to pay the transfer tax on a sale. The only time the buyer will pay is if it is new construction, a short sale, or a foreclosure. So, if you are looking at new construction, and it says the seller will pay, you are saving. However, depending on the price of the house, that may not be that big a deal because the transfer tax is $4 per thousand. It is your other closing costs that will really add up, between title insurance, mortgage tax, escrows, bank fees, bank attorney, and your attorney. If you would like an estimate on what your closing costs will be on a specific purchase price and loan amount, please contact me and I will be happy to review this with you.