Buyer Calculator
Estimate Your Out-of-Pocket Costs + Monthly Payment
This calculator is built from the buyer’s perspective so you can quickly estimate cash needed to close, lender-related costs, prepaid items, and your projected monthly payment before making a move.
Purchase & Financing
Cash to Close Adjustments
Applied as a credit toward your cash due at closing.
Used to estimate lender fees, title/settlement, and general closing charges.
Set the compensation percentage here.
If seller-paid, this amount will display for clarity but will not be added to the buyer’s cash needed.
Monthly Ownership
Cash to Close $0 Down payment + estimated closing costs + prepaid / misc. costs minus credits and deposits already paid.
Monthly Payment $0 Principal, interest, taxes, insurance, HOA, mortgage insurance, and extra monthly ownership costs.
Loan AmountPurchase price minus down payment.
$0Down PaymentBased on your selected down payment percentage.
$0Estimated Closing CostsCalculated from the percentage entered above.
$0Prepaids / Upfront CostsInspection, appraisal, misc., and reserve cushion.
$0Buyer’s Broker CompensationEstimated from the percentage entered above.
$0Credits AppliedSeller credits plus earnest money deposit already paid.
$0Estimated Buyer Cash NeededFinal estimate of funds needed to close.
$0Principal & InterestMonthly mortgage payment based on rate and term.
$0TaxesAnnual taxes divided monthly.
$0InsuranceAnnual homeowners insurance divided monthly.
$0Mortgage InsuranceEstimated based on loan type and down payment.
$0HOA + Other Monthly CostsHOA dues and added ownership reserves.
$0Estimated Total Monthly PaymentUseful for quick budgeting before you shop.
$0Disclaimer: This tool is intended for general planning purposes only. Actual financing terms, mortgage insurance, taxes, insurance premiums, lender fees, and closing figures may vary based on credit profile, loan program, location, property type, negotiations, and lender/title estimates.
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Whether you're listing your home or searching for the perfect property across Florida's Treasure Coast and South Florida, we'd love to connect and make it happen for your family.