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Toren via Compass Toren via Compass
Would-be New York buyers planning to make a daunting down payment can find any number of articles with advice on achieving this goal. However, the down payment is just the beginning. Not only will there be mortgage payments, but real estate taxes and monthly maintenance (for co-ops) or common charges (for condos) must be factored into the equation...and can add up rather quickly.

This sounds scary, but it's not entirely hopeless. The city has several programs in place that can give homeowners a property tax reduction, which will in turn allow them to save hundreds of dollars a year. The following condos all over New York offer tax abatements on top of high-end finishes and luxurious amenities.

Williamsburg Wonder
161-North-4th-Street-1 All images of Nfourth via Douglas Elliman
161-North-4th-Street-2 Kitchen
161-North-4th-Street-3 Bedroom
Floor-to-ceiling windows fill this beautifully designed apartment with abundant sunlight at all hours of the day. The kitchen is outfitted with an oversized island, Caesarstone countertops, and stainless steel Bosch appliances. Additional features include high ceilings, hardwood flooring, spa-like bath, central air conditioning and heat, and in-unit washer/dryer. See floor plan and full details here.

Fabulous FiDi Condo
20-West-Street-1 All images of Downtown Club via Redfin Real Estate
20-West-Street-2 Kitchen
20-West-Street-3 Bedroom
High-floor home's Hudson River views could not possibly be improved upon, but the rest of this apartment has been completely updated. Improvements include 10' ceilings, bamboo flooring, designer light fixtures, and gourmet kitchen with designer-grade stainless steel appliances. The bedroom is enhanced with custom-built frosted glass sliding doors, custom solar shades, generous closet space, and custom storage. See floor plan and full details here.

Turtle Bay Tranquility
25-East-49th-Street-1 All images of The Alexander via Core
250-East-49th-Street-2 Kitchen
250-East-49th-Street-3 Bedroom
Curved floor-to-ceiling windows and 11'6" ceilings give this centrally located condo an airy atmosphere. The open kitchen comes outfitted with custom cabinetry, high-end appliances, and granite countertops. The master suite has a spa-like bath, the secondary bedroom has a private balcony, and both bedrooms have walk-in closets. See floor plan and full details here.

Roosevelt Island Rarity
425-Main-Street-1 All images of Riverwalk Landing via Real Direct
425-Main-Street-2 Kitchen
425-Main-Street-3 Bedroom
Bright, beautiful apartment just minutes from Manhattan is filled with south and west views of the city skyline, East River, Queensboro Bridge, and a landscaped lawn. Interior features include custom closets, built-in bookshelves, marble windowsills, electric shades, and in-unit washer/dryer. The kitchen is outfitted with granite countertops and stainless steel appliances. See floor plan and full details here.

Lovely Long Island City Condo
46-30-Center-Boulevard-1 All images of The View at East Coast via Modern Spaces
46-30-Center-Boulevard-2 Kitchen
46-30-Center-Boulevard-3 Private balcony
Floor-to-ceiling windows in this condo look out on stunning skyline and East River views, and a private balcony is ideal for enjoying them. From here, a sliding door leads to a spacious living/dining area with high ceilings and northern exposure. The open kitchen features dark stone countertops, crisp white cabinetry, and state-of-the-art stainless steel appliances. See floor plan and full details here.

Clinton Hill Classic
963-Kent-Avenue-1 All images of 963 Kent Avenue via Corcoran
963-Kent-Avenue-2 Kitchen
963-Kent-Avenue-3 Bedroom
Beautifully laid out apartment in a prime Brooklyn neighborhood features an open kitchen, central air conditioning, and in-unit washer/dryer. Building amenities include a courtyard, generous storage room, and on-site gated parking. Popular local restaurants and nightlife are a short walk from the building. See floor plan and full details here.

East Harlem Excellence
435-East-117th-Street-1 All images of Leah via Compass
435-East-117th-Street-2 Bedroom
435-East-117th-Street-3 Balcony
Gorgeous uptown apartment offers a choice between relaxing in the south-facing living room with floor-to-ceiling windows, on the private terrace, or on the private roof deck. The kitchen comes outfitted with granite counters and stainless steel appliances. The building is on a quiet street, but local museums, shopping, dining, and transportation are a short walk away. See floor plan and full details here.

Dream Duplex in Downtown Brooklyn
150-Myrtle-Avenue-1 All images of Toren via Compass
150-Myrtle-Avenue-2 Kitchen
150-Myrtle-Avenue-3 Bedroom
Impeccably designed corner penthouse is enhanced with open layout, double-height windows, southern exposures, spiral floating staircase, and sweeping river and bridge views. Building amenities include a state-of-the-art fitness center, yoga studio, pool, saunas, library, and roof terrace. The newly built CityPoint is across the street, and residents have easy access to multiple subway lines. See floor plan and full details here.

Harlem Haven
2280-Frederick-Douglass-Boulevard-1 All images of 2280 FDB via Compass
2280-Frederick-Douglass-Boulevard-2 Kitchen
2280-Frederick-Douglass-Boulevard-3 Bedroom
Stunning home in the heart of Harlem is filled with natural light from southern exposures. The chef's kitchen is well appointed with Caesarstone countertops, custom cabinetry, top-of-the-line appliances, and designer fixtures. The bedroom offers generous natural light and closet space, and the spa-inspired bath is outfitted with high-end fixtures. See floor plan and full details here.

Far West Side Fantasy
400-West-61st-Street-1 All images of Two Waterline Square via Corcoran
400-West-61st-Street-2 Kitchen
400-West-61st-Street-3 Bath
Spacious apartment in a highly anticipated, amenity-rich West Side development boasts soaring ceilings, floor-to-ceiling windows, and spectacular northern city views. The custom kitchen comes beautifully outfitted with Gaggenau appliances and Dornbacht fixtures. The baths feature beautiful stone and wood cabinetry. See floor plan and full details here.
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