Home Calculators — Spencer Hsu Real Estate
How This Works

Enter your expected sale price and we'll estimate your net proceeds after agent commissions, closing costs, and your remaining mortgage. Every dollar matters — this gives you a real take-home number before you sign anything.

🏷️

Sale Details

Your expected sale price and loan payoff

Expected Sale Price
$
Remaining Mortgage Balance
$
Original Purchase Price For equity calc
$
📋

Selling Costs

Commissions and closing expenses

Listing Agent Commission % of sale price
%
Buyer Agent Commission % of sale price
%
Transfer Tax % of sale price
%
Escrow & Title Fees
$
Repairs / Staging / Pre-Sale Costs
$
Other Costs
$

💰 Net Proceeds Estimate

Estimated Net Proceeds
after all costs
$0
Sale Price
Mortgage Payoff
Total Commissions
Transfer Tax
Escrow & Title
Repairs / Staging
Total Equity
Appreciation Gain
Total Selling Costs
Cost as % of Price
Note: This is an estimate for planning purposes. Actual proceeds vary based on negotiated terms, capital gains tax (consult a CPA), HOA payoffs, property tax prorations, and other transaction-specific factors. Contact Spencer for a personalized seller strategy.
What This Shows You

Renting isn't always throwing money away — and buying isn't always the right move. This calculator shows your true total cost of each path over your target time horizon, factoring in equity building, appreciation, and opportunity cost.

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Buying Scenario

Your purchase assumptions

Home Purchase Price
$
Down Payment
%
Interest Rate
%
Annual Home Appreciation
%
Annual Property Tax Rate
%
Annual Maintenance % of home value
%
🔑

Renting Scenario

Your rental assumptions

Monthly Rent
$
Annual Rent Increase
%
Investment Return on Down Payment If invested instead
%
Time Horizon

📊 5-Year Comparison

Better Financial Choice
calculating...
🏠 Buying
Total Payments
Home Value
Equity Built
Net Position
🔑 Renting
Total Rent Paid
Investment Value
Down Pmt Invested
Net Position
Buy: Mortgage P&I
Buy: Tax + Maint
Rent: Monthly
Down Payment
Break-Even Year
Note: This comparison simplifies a complex decision. It excludes tax deductions, PMI, HOA, and renter's insurance. Always consult a financial advisor before making a housing decision.
Silicon Valley Context

Silicon Valley has historically appreciated at ~5–7% annually over the long term. Use this projector to model what your home could be worth — and your equity position — over time.

📈

Your Property

Current value and loan details

Current Home Value
$
Current Mortgage Balance
$
Annual Mortgage Payment
$
⚙️

Growth Assumptions

Adjust to model different scenarios

Annual Appreciation Rate
%
Projection Horizon
Scenario

📈 Appreciation Projection

Projected Home Value
in 10 years
Projected Home Value
Est. Remaining Mortgage
Projected Equity
Appreciation Gain
Current Equity
Equity Growth
Annual Gain (avg)
Total ROI
Rate Comparison 5%
0%7.5%15%
Note: Appreciation projections are estimates only. Past appreciation in Silicon Valley does not guarantee future results.