🧮 Real Estate Calculators
Buyer & Seller estimates built for Long Island transactions
Monthly Payment Estimate
$
$
$520,000
%
$
$
$
💡 Tip: Property taxes vary widely by school district. Taxes on listings reflect the current owner's exemptions—new buyers often pay more.
Closing Costs (Buyer)
$
$
$
$
$
$
$
Loan Amortization
Total Interest Paid
$622,840
Total of All Payments
$1,142,840
| Year | Principal | Interest | Balance |
|---|
Estimated Monthly Payment
$4,467
Principal, Interest, Taxes & Insurance
Principal & Interest
$3,184
Property Taxes
$1,083
Home Insurance
$200
PITI Total
$4,467
P&I
Taxes
Insurance
Estimated Closing Costs
Fees & Services
$9,450
NY Transfer Tax
$2,600
Prepaids & Escrow
$6,400
Total Closing Costs
$18,450
Cash Needed to Close
$148,450
Sale Information
$
$
$
$
Commission
%
$32,500
%
%
$
$
💡 Note: Commission splits update automatically. Adjust total rate or individual sides as needed.
Seller Closing Costs
$
$2,600
$
$
$
$
$
$
Prorations & Adjustments
$
$
$
$
💡 Prorations: Tax/HOA credits go to buyer if seller owes. Fuel oil credit adds to seller proceeds.
Repairs, Credits & Other Costs
$
$
$
$
$
$
Capital Gains Estimate (for reference only)
Include capital gains estimate?
Estimated Net Proceeds
$327,175
After all costs & payoffs
Sale Price
$650,000
Payoffs
Mortgage Payoff
−$285,000
Commission
Total Commission
−$32,500
Closing Costs
Transfer Tax
−$2,600
Attorney & Title
−$2,350
Recording & Fees
−$375
Adjustments
Prorations (net)
$0
Cost Summary
Total Payoffs
$285,000
Total Commission
$32,500
Total Closing Costs
$5,325
Net Adjustments
$0
Total Deductions
$322,825
Estimated Net to Seller
$327,175