Loan & Florida property calculators

Free calculators for loan payments, credit card payoff and Florida property costs — each one runs in your browser, and nothing you type is collected or stored.

• Loan & credit card calculator

  Mortgage, auto, personal and other loans, plus credit card payoff. See monthly payments, extra-payment savings and amortization.

• FHA & VA approved condo search

  Check whether a condo project is on HUD’s FHA list or VA’s list, in any state, by city, ZIP code or name.

• Trash & recycling pickup day

  Type a Florida address to see its garbage, recycling and yard waste days where the county publishes them, and who collects everywhere else.

• Home value estimate

  Type any address for an instant automated value estimate from recent qualified nearby sales — and see the comparable sales it used. A fast starting point for buyers, sellers, and agents.

• Documentary stamp & intangible tax calculator

  Deed and mortgage stamps plus the nonrecurring intangible tax, with statewide and Miami-Dade rates and the per-$100 rounding done the way the statute says.

• Property tax lookup by address

  One search, any county: the parcel's values, homestead status, and one-click links to the county's official record and current bill — without hunting through 67 county sites.

• TRID closing-timeline calculator

  When can I close? The federal seven-day and three-day waiting periods counted the way Reg Z actually counts them — with every skipped day named.

• Title insurance calculator

  Florida's promulgated title premiums — original, reissue, and the $25 simultaneous lender's policy, with the who-pays custom by county.

• Seller net sheet

  What does the seller walk away with? Payoff, commission, deed stamps, title custom, and the arrears tax proration — composed into one number.

• Property tax proration calculator

  Who owes what at closing: the seller's January-to-closing share, the per-diem, and the standard max-discount contract convention.

• Recording fee calculator

  The clerk's statutory per-page fees, decomposed — identical in all 67 counties, with the per-name indexing charge.

• Intangible tax calculator

  The 2-mill tax on recorded mortgages, computed alongside the note stamps it stacks with.

• Save Our Homes cap calculator

  Project the untaxed gap the 3-percent homestead cap builds year by year — and what it's worth at your millage.

• Millage rate calculator

  Mills to dollars and back, with every county's 2025 average built in.

• Closing cost estimate from an address

  Type the address: the seller’s tax bill, your down payment and closing date become a full worksheet with cash to close.

• Buyer cost report (advanced)

  Every input yourself: future taxes, monthly ownership and cash to close.

• Buyer property-tax estimator

  The listing's tax bill is the seller's, not yours — Save Our Homes resets at sale. Estimate the bill escrow will actually be based on.

• Save Our Homes portability

  Moving between Florida homesteads? Compute how much of your capped assessment savings — up to $500,000 — transfers to the new home.

• Homestead exemption calculator

  What the homestead exemption — and ten more Florida relief programs — actually save on your home, county by county.

• Flood zone lookup

  Any address against FEMA's flood map — the zone, the Special Flood Hazard Area line, and what it means for insurance on a mortgage.

• USDA eligibility lookup

  Any address against USDA Rural Development's own eligibility map — is the home in an eligible area — plus every county's income limit.

• Closing cost worksheet (PDF)

  An itemized Florida worksheet — statutory taxes, title, escrows, PITI — printable to PDF entirely in your browser.

• Property taxes by county

  All 67 Florida counties ranked by average millage — plus local guides with the school-levy split, worked homestead examples, and the county's own record and bill links.

• Property taxes by state

  All 50 states plus DC ranked by what owners actually pay — median bills and home values straight from Census data.

Which tool do I need?

Buying a Florida home

Start with the buyer property-tax estimator. The listing shows the seller's tax bill, and yours will usually be higher because the assessment resets at sale. Then the closing cost worksheet adds the state taxes, title insurance and escrows into cash to close, and the closing-timeline calculator finds the earliest legal closing date. The loan calculator shows the principal-and-interest payment and what extra payments save. Check the flood zone before you get attached: it decides whether the lender requires flood insurance.

Selling

The seller net sheet answers "what do I walk away with" in one number. The proration calculator breaks out the tax credit you'll give the buyer, and the doc stamp calculator shows the deed tax the seller customarily pays.

Already own and homesteaded

The homestead exemption calculator shows what your exemptions save, and the Save Our Homes cap calculator shows the untaxed gap the 3 percent cap has built. Moving to another Florida home? Portability computes how much of that gap comes with you. When the August TRIM notice arrives, the millage calculator turns the proposed rates into dollars.

Refinancing

A Florida refinance usually pays mortgage stamps and intangible tax on the new loan: the doc stamp & intangible tax calculator prices both, and the title calculator shows the reissue credit a recent prior policy can earn.