Buyer & Seller Cost Studio

Move a slider. Watch the numbers settle.

Two live models with Arizona-oriented starting points: what a home could cost you each month as a buyer, and an early estimate of seller proceeds. Nothing is submitted, saved, or shared until you choose to send it.

Start from a scenario

The purchase

Home price

$150K$8M

Down payment

0%60%

Interest rate

2%12%

Loan term

10 yrs40 yrs

The carrying costs

Property tax rate Maricopa County runs near 0.5%

0%2.5%

Homeowners insurance per year

$0$20K

HOA dues per month

$0$2,500

Mortgage insurance estimated monthly cost under 20% down

0%2%

Buyer closing costs share of price

0%4%

The fun part

Extra toward principal per month

$0$6,000

Loan balance over time

Year 0Year 30

Start from a scenario

The sale

Expected sale price

$150K$8M

Mortgage payoff balance

$0 · owned outright$6M

The costs of selling

Listing brokerage fee

0%6%

Buyer broker compensation negotiable, often $0

0%6%

Concessions to the buyer

$0$150K

Repairs & pre-market prep

$0$200K

Title, escrow & recording

$0$30K

HOA transfer, tax proration & warranty

$0$50K

Title, escrow, recording, HOA, and tax-proration costs vary by property and transaction. Use these adjustable lines for an early estimate, then verify the closing statement with your title and escrow team.

Estimated net proceeds

You keep 0% of the sale price.

Net to you Loan payoff Selling costs

Sale price$0
Listing brokerage fee$0
Buyer broker compensation$0
Concessions$0
Repairs & prep$0
Title, escrow & recording$0
HOA, proration & warranty$0
Total selling costs$0
Mortgage payoff$0

Costs as a share of price: 0%
Equity before costs: $0

Send these numbers to us

These calculators are educational estimates, not a loan estimate, net sheet, appraisal, or offer of credit. Rates, taxes, insurance, association dues, title fees, and brokerage compensation vary by property, lender, and negotiation. Brokerage compensation is not set by law and is fully negotiable. Verify every figure with your lender, title company, and tax professional before relying on it.

Next Step

Numbers are a start. Strategy is the rest.

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