Sell my current home Buy a new home
Cost breakdownPlug in my numbers and see my next move clearly.
Powered by Kathryn Cole, REALTOR®
Keller Williams Local1619 E Independence St Springfield MO 65804417.319.4687 (c)417.883.4900 (o)homeiseverything.comhttps://localkellerwilliams.com/Each KW office is independently owned and operated.Quick result
I walk away with approximately $142,250
Estimated payment $2,585 / month
Selling my current home
What's left after my loan, selling costs, and other debts are paid off.
Buying my next home
Put some or all of my proceeds toward the new place.
*Please read: these are estimates only
Kathryn Cole is a REALTOR®, not a mortgage lender, loan officer, or financial advisor. This calculator is not a loan offer, pre-approval, rate quote, or guarantee of financing. Every number in this section is a rough estimate for planning purposes. Actual interest rates, loan fees, mortgage insurance, property taxes, homeowners insurance, and closing costs depend on credit, income, debts, loan program, lender, and the property, and they change often. Only a licensed mortgage loan officer can quote rates and provide an official Loan Estimate. Talk with a licensed lender and compare these results with other mortgage calculators before making any decisions.
20% or more down, so no PMI.
These numbers are estimates to help me plan, not a loan offer. My actual rate, taxes, insurance, mortgage insurance, and closing costs depend on my credit, loan type, and the property. Conventional PMI is estimated at 0.5% of the loan per year when the down payment is under 20%. FHA, VA, and USDA fees use 2026 published rates and may change. I'll talk with Kathryn and a lender before making decisions.
FAQ
Sell and buy calculator questions
These answers match the estimate on this page. They are planning notes, not a loan quote.
- What does this sell and buy calculator estimate?
- It estimates two planning numbers. First, what you walk away with after selling: sale price minus the mortgage payoff, a 6% REALTOR® fee (3% listing and 3% buyer side), seller closing costs, concessions, repairs, and any other debts paid off at closing. Second, an estimated monthly payment on the next home for a conventional, FHA, VA, or USDA loan. That payment includes principal and interest, property taxes, homeowners insurance, HOA dues, and mortgage insurance when that loan type uses it.
- Is the monthly payment a loan offer?
- No. Kathryn Cole is a REALTOR® with Keller Williams Local, not a mortgage lender or loan officer. Rates, mortgage insurance, taxes, insurance, and closing costs in the calculator are rough estimates. Only a licensed mortgage loan officer can quote a rate or give you an official Loan Estimate. Compare the result with a lender before you decide.
- How are REALTOR® fees calculated in the estimate?
- The calculator uses 6% of the sale price and shows that as 3% to the listing side and 3% to the buyer's agent. The buyer's agent may work for another brokerage. Commissions are not set by law and are fully negotiable.
- Why would the estimate include mortgage insurance or an upfront fee?
- Conventional PMI is estimated at 0.5% of the loan per year when the down payment is under 20%, and the estimate drops that charge at 20% down. FHA, VA, and USDA figures use 2026 published upfront and annual fees, which can change. VA options include prior use of the benefit and a funding-fee exemption for VA disability compensation. A lender confirms which fees apply to you.
- Who gets my name, email, and phone?
- The quick result (walk-away cash and the estimated monthly payment) shows before you send anything. Your name, email, and phone unlock the payment breakdown and the sale-money waterfall on this page. Kathryn receives the lead at kathryn@homeiseverything.com, and you get a confirmation email with next steps. You can call or text Kathryn Cole at (417) 319-4687 (c), or reach Keller Williams Local at 417.883.4900 (o). Email kathryn@homeiseverything.com or kathryncole@kw.com, or send a message through the contact form on this site. Her office is at 1619 E Independence St, Springfield, MO 65804, with Keller Williams Local.
Talk through the move with Kathryn
This calculator is a planning estimate. Kathryn can price your current home, line up the next search, and introduce a local lender.