Free real estate calculators

Run the numbers before you decide.

Payments, affordability, Massachusetts closing costs, seller net, rent vs buy and investment cash flow. Change any number and see the result instantly.

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Calculator

Mortgage payment

Your monthly payment with taxes and insurance.

Home price

Down payment (%)

Interest rate (%)

Term (years)

Property tax (% / year)

Insurance ($/month)

Condo / HOA fee ($/month)

Mortgage insurance (% / year)

Estimated monthly payment—

Principal & interest: —
Property tax: —
Insurance + condo fee: —
Mortgage insurance: —
Loan amount: —

Estimate for education only. Not a loan offer, appraisal or tax advice.

Calculator

How much can I afford?

A price range based on income, debts and down payment.

Household income ($/year, before taxes)

Monthly debt payments (car, cards, loans)

Cash for down payment

Interest rate (%)

Max debt-to-income (%)

Property tax (% / year)

Insurance ($/month)

Condo / HOA fee ($/month)

Estimated price range up to—

Max monthly housing payment: —
Loan amount: —
Down payment: —

Estimate for education only. Not a loan offer, appraisal or tax advice.

Calculator

Buyer closing costs (Massachusetts)

Typical costs to budget on top of your down payment.

Purchase price

Down payment (%)

Lender fees (origination, processing)

Discount points (% of loan)

Appraisal

Home inspection (+ radon, pests)

Attorney fees (buyer + lender)

Title insurance (% of price)

Recording & municipal fees

Property tax (% / year) for escrow

Homeowners insurance ($/year, first year)

Seller credit toward costs

Estimated closing costs—

As % of price: —
Cash to close (with down payment): —
Prepaid taxes & insurance: —

Estimate for education only. Not a loan offer, appraisal or tax advice.

Calculator

Seller net sheet (Massachusetts)

What you could walk away with after costs.

Sale price

Mortgage / loan payoff

Total commission (%) - negotiable

Deed excise tax ($ per $1,000)

Seller attorney

Smoke/CO certificate, Title 5, municipal lien cert

Credits to buyer / repairs

Other (moving, staging, prorations)

Estimated net to you—

Total selling costs: —
Commission: —
Deed excise tax: —

Estimate for education only. Not a loan offer, appraisal or tax advice.

Calculator

Rent vs buy

Compare the true cost over the years you plan to stay.

Current rent ($/month)

Rent increase (% / year)

Home price

Down payment (%)

Interest rate (%)

Property tax (% / year)

Insurance + maintenance (% of price / year)

Home value growth (% / year)

Years you plan to stay

Return on savings if you rent (%)

Result—

Total cost of renting: —
Net cost of buying (after equity): —
Equity when you sell: —

Estimate for education only. Not a loan offer, appraisal or tax advice.

Calculator

Investment property cash flow

NOI, cap rate, cash flow and cash-on-cash return.

Purchase price

Down payment (%)

Interest rate (%)

Total monthly rents

Vacancy & credit loss (%)

Property taxes ($/year)

Insurance ($/year)

Water/sewer + common utilities ($/year)

Repairs & capex (% of rent)

Management (% of rent)

Closing costs + initial repairs

Monthly cash flow—

Net operating income (NOI / year): —
Cap rate: —
Cash-on-cash return: —
Debt service coverage (DSCR): —
Mortgage payment (P&I / month): —

Estimate for education only. Not a loan offer, appraisal or tax advice.

All results are estimates for education. Taxes, insurance, fees and loan terms vary by town, lender and property. Luis can connect you with a bilingual lender and attorney for exact numbers.

Contact

Let's talk about your next move

Call, text or leave your details. Luis or his assistant replies the same day.

(617) 982-0194

luis@luistejada.com

CENTURY 21 North East · 473 Broadway, Chelsea, MA 02150

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