Tools for a clearer home budget and sale comparison

Monthly ownership cost

Begin with the amount borrowed, rate and term, then add the ownership expenses you want to plan for. Enter taxes, insurance, association charges, mortgage insurance and a maintenance allowance separately. An annual charge must be converted to a monthly amount before entry. The result is a planning estimate, not a lender quote.

Seller net proceeds

Start with an assumed sale price and subtract the entered loan payoff, negotiated percentage fee, other closing costs and concessions. Use the actual proposal or quote when available. Keep income-tax questions and costs outside the closing statement separate so the estimate does not imply an after-tax result.

Cash to close

Separate the down payment from other upfront costs. Then account for eligible credits and deposits already paid. The goal is to see the remaining funding need without counting the same deposit or prepaid expense twice. Confirm the final amount with the actual closing documentation.

Use scenarios, not a single answer

Save a base case and change one assumption at a time. Compare the difference, identify which inputs are quoted and which remain estimates, and take the uncertain items to the relevant professional. Calculator values stay in the browser; there is no need to submit personal financial documents to use these tools.

Tools

Sources & further reading

CFPB: Figure out how much you want to spend checked 2026-09-26
CFPB: Closing Disclosure explainer checked 2026-09-26

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