Tools
Plan your numbers
Quick, no-pressure estimators for buying and selling in Southwest Florida — built with our market in mind, right down to HOA, CDD fees, and Florida-specific closing costs.
Current avg. 30-yr fixed rate
6.85%as of June 12, 2026
Source: Freddie Mac Primary Mortgage Market Survey. Rate shown is a national average — your rate depends on credit, down payment, and lender. Not a quote.
Seller Net Sheet
What will you walk away with?
Estimate your net proceeds after commissions, closing costs, documentary stamps, and other deductions — built for Florida sellers.
Estimated seller net
$215,000
Net as percentage of sale price: 43.0%
Estimates only. Michael Dailey is a licensed real estate agent — not an accountant, tax advisor, or attorney. These figures are illustrative and are not a guarantee of actual proceeds. Commission rates, title fees, documentary stamps, property taxes, HOA payoffs, and other closing costs vary by transaction. Consult your closing agent or attorney for an accurate settlement statement.
Buyer Closing Cost Estimator
What will closing day cost?
Estimate your buyer closing costs for a Florida purchase — lender fees, title insurance, escrow prepaids, and government charges broken out line by line.
Estimated closing costs
$16,721
Lender Fees
Title & Government
Prepaid / Escrow
Other
3.3% of purchase price
Plan to bring $116,721 to closing
Includes $100,000 down payment + $16,721 closing costs
Estimates only. Michael Dailey is a licensed real estate agent — not a mortgage lender, loan officer, or title company. These figures are illustrative Florida estimates and are not a quote or guarantee. Actual closing costs vary by lender, title company, county, and transaction. Documentary stamps on the deed are typically paid by the seller in Florida but are shown here for reference. Consult a licensed lender and title company for actual figures.
Mortgage Calculator
Estimate your monthly payment
See a full monthly breakdown — principal & interest, property taxes, insurance, HOA, and CDD — the way Southwest Florida payments actually add up.
Estimated monthly payment
$3,487
Estimated loan amount: $400,000
Estimates only. Michael Dailey is a licensed real estate agent — not a mortgage lender or loan officer. These figures are illustrative and are not a quote, pre-approval, or guarantee. Interest rates, property taxes, insurance, HOA, CDD assessments, and lender requirements vary by buyer and property. Consult a licensed lender for actual terms.
Affordability Calculator
How much home can you afford?
Estimate a comfortable price range from your income, debts, and down payment using standard lending guidelines.
You may afford up to
$412,243
estimated home price
Based on standard 28% / 36% debt-to-income guidelines.
Estimates only. Michael Dailey is a licensed real estate agent — not a lender or loan officer. This is not a pre-approval, quote, or guarantee. Lender requirements, debt-to-income limits, credit, reserves, and loan programs vary. Get pre-approved by a licensed lender for your true budget.
Rent vs. Buy Calculator
Is it time to buy?
Compare the long-run cost of renting against buying, factoring in appreciation and the equity you build.
Over 7 years
Buying looks cheaper
by about $153,210
Estimates only. This simplified comparison ignores closing costs, tax deductions, investment of savings, and market swings, and is not financial or investment advice. Actual results vary widely. Consult a licensed lender and tax professional before deciding.
Property Tax Estimator
Estimate your Florida property tax
See how the homestead exemption affects your annual property tax across Sarasota, Manatee, and Charlotte counties.
Estimated Property Tax
$6,800/yr
$567/mo
Estimate only. Actual taxes depend on your specific taxing district, assessed value (which may differ from purchase price after year one), and any additional special assessments (CDD, MSTU, etc.). The homestead exemption applies to Florida primary residents who file by March 1. After year one, assessed value increases are capped at 3% annually under Save Our Homes.
True Monthly Cost
What will you really pay each month?
Go beyond the mortgage payment — see your true monthly cost with taxes, insurance, HOA, CDD, and flood insurance all in one view.
True Monthly Cost
$3,501/mo
$42,007/yr on a $360,000 loan
Estimate only. Actual taxes depend on your taxing district and assessed value. Insurance varies by property, roof age, and flood zone. HOA and CDD fees are community-specific. I pull exact figures for any home you’re considering.
Want real numbers for a real home?
I’ll connect you with trusted local lenders and pull accurate taxes, HOA, and CDD figures for any community you’re considering.
Let’s Talk