JTJOSEPH TORRES, P.A.STOFEL & ASSOCIATES REALTYFlorida licensed sales associate

INTERACTIVE BUYER TOOL

Plan the costs of buying your home

Use an interactive buyer cost worksheet to organize monthly ownership costs, remaining closing cash, moving expenses, and reserves using your own figures.

Stofel & Associates Realty
Updated

YOUR NUMBERS, ONE PLAN

Build your buyer cost worksheet

Start with the figures you know. Blank costs stay marked as missing; enter 0 only when a cost does not apply. Use written quotes as you receive them.

Calculations stay on this page. Your numbers are not saved or sent to Joseph. Copying a summary is optional.

1. Purchase and financing
Enter the planned purchase price in dollars.
Dollars toward the purchase price, including your credited deposit.
Use the interest rate, not APR. Needed only for a financed purchase.
Whole years. This calculation uses a fixed-rate, fully amortizing loan.

Loan amount: Enter price and down payment. Financed fees, adjustable rates, interest-only payments, and balloon payments are not modeled.

2. Ongoing ownership costs

Annual bills are divided by 12 for planning. Actual bills and escrow payments can differ. Include each cost once, even if it is paid through escrow.

Use a property-specific estimate; a seller’s current tax bill may differ from yours.
Use your insurance quote for this particular property.
Use a separate flood quote, or 0 only when you choose no policy.
Use your lender’s monthly figure; enter 0 if not applicable.
Monthly HOA/condo dues. Review separate assessments too.
Enter 0 if this cost does not apply.
Your own monthly allowance for upkeep and repairs.

Known monthly subtotal

$0.00 / month
Principal & interest
Not entered
Property taxes
Not entered
Homeowners insurance
Not entered
Flood insurance
Not entered
Mortgage insurance
Not entered
Association fees
Not entered
Utilities
Not entered
Maintenance reserve
Not entered

Incomplete: 8 amounts are still missing. This subtotal is not your full cost.

Based on your entries. Special assessments, improvements, other debts, and personal spending are outside this total.

3. Closing and your move
Net closing costs after approved credits, including prepaids and initial escrow; excludes down payment. Do not subtract credits again.
Deposit already paid and credited toward this purchase. It reduces remaining cash once.
Already-paid fees included in the net closing-cost figure above. Exclude the deposit.
Your moving/setup allowance, separate from closing costs.
Money you intend to keep available after the purchase.

Remaining cash to close

Not complete

Down payment + net closing costs − credited deposit − included closing costs already paid.

Remaining closing + moving + reserve plan: Complete purchase and closing/move figures.

This is a planning figure. Your lender and closing company must confirm credits, prorations, other adjustments, and the final Cash to Close.

Use this worksheet to prepare questions. It does not determine loan eligibility or provide a rate, insurance quote, appraisal, or final closing statement.

Replace assumptions with written figures

Enter your own estimates and replace them with written figures from your lender, insurer, and closing company as they become available. Blank entries remain unknown; the worksheet does not fill in market rates or insurance premiums.

For a financed purchase, the loan calculation assumes a fixed-rate, fully amortizing loan with a loan amount equal to price minus down payment. Review any financed fees or different loan structure with your lender.

Check the cash-to-close figure with your professionals

The CFPB’s Loan Estimate and Closing Disclosure explain closing costs and the money still needed at closing. Use net closing costs after approved credits in this worksheet, including prepaids and initial escrow. Keep the down payment separate and do not subtract credits again.

A credited deposit reduces remaining cash once. Only subtract other already-paid fees if they are included in your closing-cost figure. Contract credits, prorations, financing, and other adjustments can change the final amount; confirm it with your closing company.

Keep a property-specific ownership budget

An ownership budget reaches beyond principal and interest. Collect the property’s tax estimate and your own insurance quotes, and review association charges and any separate assessments. Utilities and a maintenance allowance help you plan ongoing spending.

Moving costs and money kept in reserve are separate from your monthly ownership total. This tool organizes your chosen amounts; it does not tell you what you can afford or qualify to borrow.

Ready to check a particular home?

Use the shared address lookup for city limits, parcel details, utilities, flood zones, and evacuation information when you have a property in mind.

Check an address and explore the maps

Useful references

Keep planning your purchase

Turn your budget questions into a next step.

Tell Joseph which costs or property questions you want to clarify. You decide whether to share any worksheet figures.

Stofel & Associates Realty

Discuss my buyer cost questions