Run your own numbers.
Fast, honest calculators for the questions every buyer and seller asks. Every figure updates as you type. When you're ready to put pen to paper, Samuel is a phone call away.
Mortgage Calculator
Estimate your monthly principal and interest, plus a full housing payment with taxes, insurance, PMI, and HOA.
$90,000
20% down on $450,000 at 6.50% for 30 years.
- Loan amount
- $360,000
- Down payment amount
- $90,000
- Number of monthly payments
- 360
- Total principal & interest paid
- $819,160
- Total interest paid
- $459,160
This calculator provides estimates for planning purposes only. Actual loan terms, interest rates, mortgage insurance, taxes, insurance, and monthly payments may vary. Contact a qualified lender for an official loan estimate.
Request a ConsultationBuyer Affordability
A debt-to-income based estimate of the price range you can plan around, including taxes, insurance, PMI, and HOA.
Auto, student loans, credit cards, and other recurring debt.
Applied as a share of the estimated price.
- Estimated maximum monthly housing payment
- $3,900
- Estimated loan amount
- $513,145
- Estimated down payment
- $57,016
- Estimated monthly principal & interest
- $3,243
- Estimated property taxes (monthly)
- $267
- Estimated homeowners insurance (monthly)
- $133
- Estimated PMI (monthly)
- $257
- HOA (monthly)
- $0
- Estimated total monthly housing payment
- $3,900
- Estimated gross monthly income
- $12,500
- Existing monthly debt
- $600
- Estimated housing budget
- $3,900
- Estimated total monthly debt
- $4,500
This estimate is based on the assumptions you entered at a 36% debt-to-income target; your actual purchasing power depends on lender-specific factors such as credit, reserves, income documentation, and loan program.
This calculator is an educational planning tool and is not a mortgage prequalification or loan approval. A lender can provide an official affordability review based on your complete financial profile.
Request a ConsultationSeller Net Proceeds
Estimate what you walk away with at closing after payoff, commission, and transaction costs.
Enter the estimated payoff amount, not only the current loan balance.
$30,000 — commissions are negotiable and set by agreement.
$9,000
Based on a $600,000 sale price at 5% total commission.
- Sale price
- $600,000
- Less mortgage payoff
- - $280,000
- Less commission
- - $30,000
- Less closing costs
- - $9,000
- Less attorney / settlement fees
- - $0
- Less concessions / buyer credits
- - $0
- Less property tax proration
- - $0
- Less HOA fees
- - $0
- Less repair credits
- - $0
- Less other seller costs
- - $0
- Estimated net proceeds
- $281,000
This estimate is for planning purposes only and is not a closing statement. Actual proceeds may vary based on the final sales price, mortgage payoff, negotiated commissions, concessions, prorations, title or settlement charges, repairs, taxes, and other transaction-specific costs.
Request a ConsultationBuyer Closing Costs
Estimate the cash you'll need at the closing table, separate from costs paid earlier in the process.
$90,000
Program rules affect which fees a lender charges and what a seller may credit.
Auto-calculated from price minus down payment. Enter a value to override.
20% down on $450,000.
- Down payment
- $90,000
- Lender fees
- $1,800
- Title / settlement
- $1,600
- Prepaid property taxes
- $1,200
- Prepaid homeowners insurance
- $900
- Initial escrow deposit
- $800
- Buyer-paid fees
- $0
- Total closing costs
- $6,300
- Less seller credits
- - $0
- Less earnest money already paid
- - $0
- Estimated cash needed at closing
- $96,300
- Inspection
- $500
- Appraisal
- $600
- Total pre-closing
- $1,100
For context, East Tennessee buyer closing costs often land somewhere around 2–3% of the loan amount once title, taxes, and prepaids are included. That range is illustrative only — it is not a fixed or guaranteed percentage, and your lender's figures govern.
This calculator provides a preliminary estimate and is not a Loan Estimate, Closing Disclosure, or guarantee of closing costs. Actual costs will be determined by the lender, title or settlement provider, property details, loan program, and final contract terms.
Request a Consultation