Porticulum

Tools

Real estate calculators

Quick, transparent estimates for buyers and sellers. For a personalized analysis, contact Alex Cassilly.

Mortgage calculator

Estimate principal, interest, taxes, insurance, and HOA for any list price.

Jefferson County effective rate is roughly 0.91%.

Estimated monthly payment

$2,767

Loan amount: $360,000

Principal & interest$2,275
Property tax$341
Homeowners insurance$150
Total interest over life of loan$459,160

This calculator provides estimates only. Actual principal, interest, taxes, insurance, and HOA fees will vary. Talk with a lender to get a personalized quote.

Affordability calculator

Find your max purchase price based on income, debts, down payment, and rates.

Estimated max home price

$427,918

Max loan

$367,918

Est. monthly payment

$2,800

Debt-to-income ceiling

36%

This is a rule-of-thumb estimate. A lender will confirm your actual buying power after reviewing credit, income, and assets.

Seller net proceeds

Estimate what you’ll walk away with after sale price, commission, and closing costs.

Estimated net proceeds

$145,000

Commission (5.5%)$27,500
Closing costs (1.5%)$7,500
Mortgage payoff$320,000

Estimate only. Actual closing costs vary by title company, prorations, and negotiated terms.

Home value estimator

Rough valuation by neighborhood price-per-square-foot, beds, and baths.

Estimated market value

$470,000

Estimated range

$423,000$517,000

Neighborhood $/sqft

$235

Based on neighborhood price-per-square-foot trends. A true CMA requires sold comps, condition, and lot/location adjustments.

Buyer closing costs

Estimate lender fees, title insurance, appraisal, and prepaids.

Estimated buyer closing costs

$7,350

Lender fees (~1%)$3,200
Title insurance$1,600
Appraisal$600
Inspection$500
Recording / escrow / prepaids$1,450

Estimate for Kentucky. Actual costs depend on lender, title company, and negotiated seller concessions.