Real estate tools

Estimate what a seller walks away with at closing: payoffs, commission, Virginia grantor tax, settlement charges, seller credits, and tax or HOA prorations. Runs in your browser, prints to one page, and the link carries the numbers.

Cash needed at settlement and the monthly payment for a Virginia purchase. Conventional, FHA, VA, USDA or cash, with lender and title costs, Virginia recordation tax, escrows, seller credits and reimbursements.

The monthly payment with property tax, insurance, PMI and HOA dues, a breakdown chart, lifetime interest, the effect of extra principal, and what a different rate does to the payment.

How much house your income supports. The price, loan and full monthly payment at three debt-to-income limits, with taxes, insurance, dues and mortgage insurance included.

Two mortgages side by side: payment, total interest, total cost and the difference, plus how long it takes to earn back points or extra closing costs.

The most cash a refinance can free up at your loan-to-value limit, the new loan and monthly payment with taxes, insurance and PMI, closing costs, and how the payment changes.

What a renter and a buyer would each be worth over 30 years, with appreciation, rent increases, closing and selling costs, upkeep and the return on cash, charted with the break-even year.

Solve for the payment, loan amount, rate or number of payments. Add recurring or one-time extra payments, a balloon, taxes, insurance and PMI, chart the balance, and download the schedule as a CSV.

Monthly cash flow after vacancy, expenses and the mortgage, with cap rate, cash-on-cash return, debt coverage, the break-even rent, and a low-to-high rent range.

Rent for a mid-month move-in or move-out, or for a stay between two dates. Actual days, 30-day month or 365-day year side by side, with the total due at move-in.

County, city and town real estate tax rates per $100 of assessed value, each linked to its source, with an estimator for the annual and monthly tax. Rates we could not confirm are marked.