True Cost
What will this home actually cost you?
Add the costs you know. We'll calculate the rest we can estimate — and clearly show what still needs verification.
Property
Optional — used only to tailor guidance, never to guess a cost.
Purchase
Monthly cost components
Estimated. The seller's current tax bill is not a guarantee of your future bill.
Not every special assessment is Mello-Roos — a community can have both, one, or neither.
Estimate only — actual insurance premiums vary.
Estimated cash needed to buy
$225,738
Planning estimate — not a lender closing disclosure.
Cash needed breakdown
- Down payment
- $190,000
- Estimated closing costs
- $23,750
- Reserve (2 months, known/estimated costs)
- $11,988
Estimated monthly ownership cost
$5,994/mo + unverified costs
Your actual monthly cost may be higher. 3 items still need verification.
Monthly breakdown
Costs still to verify
- HOAHow to verify HOA costs →
- Mello-Roos / CFD
Not determined by price, ZIP, or year built — must be verified per property.
How to verify Mello-Roos / CFD status → - Other special assessments
Not every special assessment is Mello-Roos.
How to verify special assessments →
This is a planning estimate only — not a lender closing disclosure, insurance quote, or financial advice.
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How this works
Built around one rule
This calculator exists to make the difference between a real number and a guess impossible to miss.
Unknown is never $0
If you haven't verified HOA, Mello-Roos, or another cost, we show it as needing verification — never as a silent zero baked into your total.
Every number has a status
Calculated, Estimated, Entered by you, Verified: none, or Needs verification — so you always know how much to trust a figure.
Not a lender quote
This is a planning tool. Real numbers come from a Loan Estimate, an insurance quote, and your county property tax record.
Want your maximum price range from income instead? Try the buying power calculator. Just need the mortgage payment for a price, without the full cost picture? Mortgage calculator.
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