For many people moving from Poland to New York, the real estate purchasing process can be a surprise. In Poland, a notary plays a key role, whereas in New York, the attorneys for both parties manage the transaction from contract preparation to the final handover of keys, the so-called “closing.” On Staten Island, where the 2026 market is characterized by stable prices (median $755,000) and a fast sales pace, having an advisor who understands both legal cultures is invaluable.
The role of an attorney: More than just checking documents
In the New York system, the buyer’s attorney acts as a protective shield. Their task is not only to analyze the contract but, above all, to conduct a detailed title search. In 2026, with limited housing supply, the risk of transactions burdened with old liens or unresolved inheritance issues increases. The attorney ensures that you receive a “clean” title, protected by an appropriate Title Insurance policy, the cost of which is usually around 0.45% of the purchase price.
Hidden closing costs you need to know about
One of the most common mistakes is underestimating closing costs. In New York, the buyer must prepare for additional expenses, which can range from 2% to even 6% of the property value, depending on the type of property (condo vs. single-family home). The most important ones include:
- Mortgage Recording Tax: A tax on mortgage registration, which in 2026 is 1.8% for loans under $500,000 and 1.925% for higher amounts.
- Mansion Tax: A tax on “residences,” paid by the buyer on every transaction over $1 million (the rate starts at 1%).
- Bank fees and appraisal: Lender’s operational costs, including an appraiser’s valuation, which on Staten Island can cost between $300 and $1,500.
Transatlantic perspective: Dual citizenship and ownership
For members of the Polish community with dual citizenship, purchasing real estate in New York also involves questions about legal consequences in Poland. Polish law recognizes the possession of other citizenships, but within the territory of the Republic of Poland, it treats such a person solely as a Polish citizen. A professional attorney, familiar with the specifics of both systems, will help you understand how buying a home on Staten Island will affect your financial situation on both sides of the ocean, especially in the context of estate planning and asset protection against potential consumer bankruptcy.
In 2026, as the real estate market on Staten Island becomes increasingly professional and demanding, a “closing” with a Polish-speaking attorney is not just a communication convenience, but above all a guarantee that every document, from “Title Insurance” to the “Deed,” has been checked for your financial security.