What a home costs to own.

Two numbers decide whether a home fits: what it costs you every month, and the cash you bring to the closing table. Put a specific home’s figures in below, financed or all cash, and see both. Use your lender’s worksheet and real quotes so nothing here is a guess.

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The home

Purchase price

How you are buying

Your loan

Down payment

Interest rate

Loan term

Taxes, insurance and duesEnter your own quotes and bills. On a Florida purchase the new tax basis is roughly the purchase price times the local millage, before any homestead exemption, so a seller’s current bill understates what you will pay.

Property taxes, per yearenter an annual dollar figure, or the local millage

Homeowner’s insurance, per yearyour quote on this address

HOA / condo dues

CDD / special assessment, per yearif any

Cash to close

Closing costsa share of price, or a dollar figure

Prepaids & escrow reservestaxes and insurance set up at closing

Your monthly cost to own

Principal and interest, plus taxes, insurance, dues and any assessment. Utilities and upkeep are separate.

Cost per year

the monthly figure, times twelve

Cash to close

down payment + costs + prepaids

Monthly, line by line

Cash to close, line by line

Florida, 2026

If the home is a condo or in an HOA, confirm in writing whether any special assessment is voted, pending, or under discussion, and ask what the current milestone inspection and structural reserve study show. Florida’s statutes on these have been amended more than once since 2022, so confirm the requirement that applies now rather than relying on an older rule. An assessment you learn about after closing becomes your bill.

This is an estimate to size a home, not a closing statement. The cash-to-close figure is confirmed by your lender’s Loan Estimate, and the monthly figure firms up with a bindable insurance quote and the tax bill reset to your purchase price. Bring what this shows and we will pressure-test it against real numbers together.

Nothing here is sent to me or saved on any server. Your figures stay in your browser on this device (a copy is kept on this device only, so the worksheet is waiting when you return), and you can clear it anytime with Reset worksheet.

When you’re ready

This stays on your device. When you want to turn the numbers into a plan, I am one message away.

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Keller Williams Gainesville Realty Partners

Kane Brooks, Realtor® · Keller Williams Gainesville Realty Partners · Each Office Is Independently Owned and Operated.