If you are selling one home to buy the next, the number that matters is not the sale price. It is what lands in your pocket after everyone gets paid, and what that leaves you to put down. Fill in what you know and this works out the rest.
The home you're selling
What it sells for, and what comes off the top.
What you still owe. Your servicer can give you an exact payoff figure.
Listing commission, buyer's agent commission, and seller closing costs. That last one covers the attorney or closing fee, title work, and your prorated property taxes.
The home you're buying
What you pay, and what you hold back.
Furniture, moving, repairs, a cushion. Every dollar you keep here is a dollar you finance instead.
Buy-side closing costs and prepaids as a share of price, then the annual property tax rate. Around Nashville that tax rate usually runs 0.5% to 0.8%.
Move the slider to see what a quarter point does to your payment. Rates change daily and the number here is not a quote. As of August 2026, well-qualified borrowers are generally seeing something in the 6.5% to 7% neighborhood, which is why the slider starts at 6.75%.
What the sale nets you
- Sale price
- Listing commission
- Buyer's agent commission
- Seller closing costs
- Mortgage payoff
- Net proceeds
What that buys you
- Less cash you keep
- Less closing costs and prepaids
- Down payment
- Purchase price
- Down payment percentage
- Loan amount
Want these numbers run on your actual house?
Send me the address and what you owe. I will put real figures against it, including what you would qualify for on the next one.
This calculator is for estimating only and is not a loan quote, an offer of credit, or a commitment to lend. Figures assume no mortgage insurance and do not include HOA dues, flood insurance, or escrow reserves. Actual proceeds are determined by your settlement statement. All loans are subject to credit approval, underwriting, appraisal, and program guidelines. Rates, terms, and conditions change without notice.
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