Work Hard Mortgage · Free planning tool

Home Sale & Next Home Calculator

What could your home sale put toward your next home? Follow your equity from the closing table to your new monthly payment.

Start with Lacey’s illustrative example, then make it yours. No contact information needed. Dollar amounts are USD.

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Need help with costs? Illustrative Utah planning estimates

For an early Utah home plan, you may try 2.5% listing commission, 2.5% buyer-side commission, 1% seller closing costs, 0.6% annual property taxes and 0.3% annual homeowners insurance. These are illustrative inputs, not verified Utah averages, quotes or required charges. Commissions are negotiable; a seller contribution to the buyer’s agent is optional.

Use Suggested Estimates fills only blank estimates. Entered numbers, including 0, stay as they are. Dollar-mode estimates need a positive sale or purchase price; otherwise that field stays blank. Clear a field to request a suggestion.

Replace these inputs with your agreement, settlement estimate, county tax information and insurance quote. Utah taxes depend on location, assessed value and any qualifying residential exemption. Insurance depends on rebuilding cost, coverage, deductible and property risks; 0.3% of purchase price can understate a quote.

Learn more: Negotiable commissions · Utah property taxes · Utah insurance consumer resources

1. Selling your home

What you expect your home to sell for.
What you will owe at closing, including payoff interest and fees.
Your agreed payment to the agent listing your home.Illustrative planning input: 2.5% of sale price; negotiable.
Any agreed payment toward the buyer’s agent. Commissions are negotiable.Illustrative planning input: 2.5% of sale price; optional and negotiable.
Your title, settlement and other selling fees. The example uses an illustrative 1%; exclude buyer concessions and prorations entered below.Illustrative planning input: 1% of sale price, excluding commissions and concessions.
Additional Selling Expenses
Money you agree to contribute toward the buyer’s costs, separate from your own seller closing fees.
Other debts secured by the home that must be paid at closing.
Your share of taxes or HOA charges at closing. Negative amounts are credits; count each cost only once.

Estimated net sale proceeds

$193,060.00

2. Buying your next home

Try different prices to see how your next payment changes.
Sale proceeds you want to set aside instead of using for this purchase.
Estimated buyer closing costs: $8,000.00 · edit
Optional estimate for fees, prepaids and initial escrow deposits after credits. $8,000 is illustrative; enter 0 if you prefer. Excludes down payment and separately entered program fees.

Available sale proceeds automatically become your down payment after buyer costs and cash to keep.

Advanced Options
Rate assumption
Loan program
Illustrative planning input: 0.6% of purchase price per year.
Illustrative planning input: 0.3% of purchase price per year; obtain a quote.
PMI treatment
Down payment plan

Enter a lender-provided rate and insurance/fee assumptions for each program. Selecting a program does not establish eligibility, a lower rate, a minimum down payment or approval. Rate and program fees are cleared when changing programs.

Conventional PMI defaults to an illustrative 0.5% annual rate on the initial base loan, only above 80% LTV. Actual PMI depends on credit and loan terms; edit the rate or treatment as needed.

Monthly MI/annual guarantee fees use the initial base loan ÷ 12; actual calculations, declining balances and cancellation rules may differ. Fixed-rate amortization only; no buydowns, APR, utilities, maintenance or income-tax effects.

Compare three sale prices

Only the sale price changes. All other costs and financing assumptions stay the same. Blank scenario prices follow your expected sale price.

Scenario 1

Net proceeds
$193,060.00
Down payment
$185,060.00
New loan
$489,940.00
Total monthly payment
$3,898.50
Monthly difference vs first
$0.00

Scenario 2

Net proceeds
$200,700.00
Down payment
$192,700.00
New loan
$482,300.00
Total monthly payment
$3,845.60
Monthly difference vs first
-$52.90

Scenario 3

Net proceeds
$205,475.00
Down payment
$197,475.00
New loan
$477,525.00
Total monthly payment
$3,812.54
Monthly difference vs first
-$85.96

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Work Hard Mortgage — Home Sale & Next Home estimate
Scenario 1 | Sale $532,000.00 | Net $193,060.00 | Down $185,060.00 | Loan $489,940.00 | Monthly $3,898.50 | Cash needed $0.00 | Monthly difference vs first $0.00
Scenario 2 | Sale $540,000.00 | Net $200,700.00 | Down $192,700.00 | Loan $482,300.00 | Monthly $3,845.60 | Cash needed $0.00 | Monthly difference vs first -$52.90
Scenario 3 | Sale $545,000.00 | Net $205,475.00 | Down $197,475.00 | Loan $477,525.00 | Monthly $3,812.54 | Cash needed $0.00 | Monthly difference vs first -$85.96
Assumptions:
National 30-year fixed benchmark: 7.4%, as of 2026-10-15. Source: Freddie Mac Primary Mortgage Market Survey (PMMS).
Expected sale price ($): 532000
Mortgage payoff ($): 315000
Listing commission (%): 1
Buyer-side commission (%): 2.5
Seller closing costs: 1 %
Concessions ($): 0
Other liens ($): 0
Prorations ($; negative = credit): 0
Next purchase price ($): 675000
Buyer costs and prepaids ($): 8000
Cash reserve ($): 0
Additional cash ($): 0
Down payment plan: All available cash
Loan program: Conventional
Annual interest rate (%): 7.4
Term (years): 30
Annual property taxes ($): 4050
Annual home insurance ($): 2025
Monthly HOA ($): 0
Annual MI / guarantee rate (%): 0.5
PMI treatment: Estimated only above 80% LTV
Upfront fee ($): 0
Fee treatment: Financed
Monthly target ($): Not entered
Illustrative planning only. Monthly total includes principal, interest, taxes, homeowners insurance, HOA and entered mortgage insurance/guarantee fee. Annual MI is estimated on the initial base loan; automatic conventional PMI applies only above 80% LTV. The default 0.5% annual PMI is illustrative and editable, not a quote. Zero down or cash shortfalls do not establish financing eligibility. No eligibility, approval, rate or fee quote. Verify all costs with your lender and settlement provider.
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Assumptions & disclosures

Educational estimates only, not a Loan Estimate, payoff statement, commitment to lend, rate lock or eligibility decision. Standard planning assumptions are disclosed above and editable in Advanced Options. Review estimates with a licensed loan officer and settlement provider; final costs, credits, fees, taxes, insurance and loan requirements may differ. Taxes and insurance may change. Upfront fees are entered as quoted dollars and will not automatically change between sale-price scenarios; obtain updated quotes where applicable.

The example is illustrative: 1% seller closing costs and $8,000 buyer costs are sample inputs, not recommended defaults. Taxes and insurance follow the purchase price until changed to annual dollars. Payments use fixed-rate amortization and include all listed monthly components.

Learn more: CFPB payment components · FHA premiums · VA funding fees · USDA program

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