Buyer tools
The price and the mortgage payment are only part of it. Enter two homes side by side and see the full monthly cost with property taxes, insurance, HOA dues and mortgage insurance. Every assumption is yours to change.
These apply to both homes.
Find each neighborhood's HOA dues on its page, then confirm them with the association.
| Per month | Home A | Home B |
|---|---|---|
| Principal and interest | ||
| Property taxes | ||
| Homeowners insurance | ||
| HOA dues | ||
| Mortgage insurance | ||
| Total | ||
| Cash needed for the down payment |
A home with a lower price and high dues can cost more each month than a pricier home with none. That is why the monthly total is a better way to compare than the price.
Your property tax bill depends on the assessed value and any deductions you qualify for, and insurance depends on the home, the roof and your coverage. Get a real quote and the county's figure for the address you are considering.
Utilities, repairs, special assessments and one-time costs such as closing costs and any association transfer fees are not included. Ask the association about those before you write an offer.
A lender counts taxes, insurance and dues when deciding what you can afford, so high dues can lower the loan you qualify for. Ask for a quote with the real numbers for each home.
Tell me the two or three you are weighing and I will send you what each one costs, what the HOA covers and what to ask before you offer. No obligation, and a call is optional.
Email Me Your Short List