Florida real estate calculators
Each one uses Florida's actual rules: doc stamp rates, promulgated title premiums, homestead and Save Our Homes, condo reserve laws and the rules foreign and Canadian buyers face.
Compare Florida cities
Buying
- Closing costs, buyer and sellerDoc stamps, intangible tax, promulgated title and commissions.
- How much house can I affordYour price ceiling with Florida taxes, insurance and HOA in the payment.
- Compare two homesTrue monthly cost of two Florida homes side by side, with HOA, CDD, flood and tax.
- Purchase contract timelineEvery deadline in a Florida purchase contract, dated from the effective date.
- Doc stamp tax calculatorDeed and mortgage stamps plus intangible tax, with the Miami-Dade rates.
- Offer price from compsPrice per square foot from up to 3 comparable sales and a suggested offer range.
- Title insurance calculatorOwner's and lender's policy at Florida promulgated rates, with the reissue discount.
Mortgage and financing
- Mortgage with insurance, HOA and CDDThe full monthly payment, not only principal and interest.
- Amortization scheduleYear-by-year principal, interest and balance for your mortgage.
- Down payment savings timelineHow long until you have the down payment and closing costs, and the date you get there.
- Debt-to-income ratioFront-end and back-end DTI with Florida tax, insurance and HOA in the housing cost.
- Extra payments and early payoffHow much interest and time an extra monthly amount or a lump sum saves.
- Mortgage points break-evenIs buying down the rate worth it for how long you will keep the loan?
- Refinance break-evenMonthly savings, break-even month and lifetime interest, with Florida doc stamps and intangible tax.
Property tax and homestead
- Property tax and Amendment 3Your bill after the sale resets the assessment, five years under both laws.
- Homestead exemption savingsWhat the $51,411 exemption and the Save Our Homes cap save you year by year.
- Save Our Homes portabilityHow much of your old homestead tax cap moves to your next Florida home.
Condos and insurance
Selling
Investing
Canadian and foreign buyers
- CAD to USD buying powerTurn your Canadian dollars into a Florida price range after exchange, fees and closing costs.
- FIRPTA withholdingHow much the buyer must hold back when a foreign owner sells US property: 0%, 10% or 15%.
- Moving to Florida: tax savingsState income tax you stop paying, minus higher Florida property tax and insurance.
- Substantial presence test (183 days)Count your weighted US days and see if the IRS would treat you as a US tax resident.
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Or call / text: (754) 203-9632 · info@danmarusinhomes.com