Home Tools

Numbers you can trust,
before you make a move.

Six free tools — built for Bergen County, the Hudson River Towns, and NYC — to help you plan your next move with clarity, not guesswork.

Mortgage Calculator What Can I Afford? Downsize Cost Comparison Mansion Tax Calculator Ready to Downsize Quiz Seasonal Maintenance Guide
Tool 1 of 6

Mortgage Calculator

See your full estimated monthly payment — principal, interest, taxes, insurance, and HOA — not just the loan payment.

Enter your own annual property tax figure — most buyers already have the real tax bill for the specific property they're evaluating.

$0
Estimated Total Monthly Payment
Loan Amount$0
Principal & Interest$0
Property Tax$0
Home Insurance$0
HOA$0
Total Interest Over Loan Term$0
Get a Personalized Estimate

For general planning purposes only — this is not financial, mortgage, tax, or legal advice, and it is not a loan offer, pre-approval, or guarantee of financing. Actual rates, taxes, and insurance premiums vary by lender, town, and underwriting. Please speak with a licensed mortgage professional, accountant, or financial advisor before making any financial decision.

Tool 2 of 6

How Much House Can I Afford?

Based on your income and debts, plus realistic estimates for taxes, insurance, and maintenance — not just the mortgage payment.

"Comfort Level" sets the share of income lenders typically allow toward housing costs (front-end) and total debt (back-end). Enter your own property tax rate for the area you're considering.

$0
Estimated Max Home Price
Max Monthly Housing Budget$0
Resulting Loan Amount$0
Principal & Interest$0
Est. Tax + Insurance + Maintenance + HOA$0
Talk Through Your Numbers

For general planning purposes only — this is not financial, mortgage, tax, or legal advice. It is not a pre-approval, pre-qualification, or guarantee of financing. Actual approval amounts are set by your lender based on full underwriting, credit, income verification, reserves, and current guidelines. Please speak with a licensed mortgage professional, accountant, or financial advisor before making any financial decision.

Tool 3 of 6

Current Home vs. Smaller Home

See what downsizing could actually do to your monthly costs — and how much of your current equity you'd free up.

Your Current Home

All-in: mortgage, taxes, insurance, HOA, typical upkeep.

The Smaller Home

Defaults to your full net proceeds from the sale (capped at the new home's price) — edit this if you plan to finance instead of paying all cash.

$0
Estimated Monthly Savings
Net Cash From Sale$0
Cash Left Over After New Down Payment$0
New Monthly Housing Cost$0
Current Monthly Housing Cost$0
Annual Savings$0
Not Sure Yet? Take the Quiz

For general planning purposes only — this is not financial, tax, or legal advice. Assumes full sale proceeds (after selling costs and mortgage payoff) go toward the new home's down payment unless you adjust the numbers yourself, and does not account for capital gains tax, which can materially affect your real proceeds. Please speak with a licensed real estate professional, accountant, or financial advisor before making any decision about selling or buying.

Tool 4 of 6

NJ Mansion Tax Calculator

New Jersey's mansion tax rules changed in July 2025 — it's now seller-paid, and tiered based on price. Enter a sale price to see what's owed. Read the full breakdown →

The mansion tax only applies to sales of more than $1,000,000.

Rate By Sale Price
Over $1,000,000 – $2,000,0001.0%
$2,000,000 – $2,500,0002.0%
$2,500,000 – $3,000,0002.5%
$3,000,000 – $3,500,0003.0%
Over $3,500,0003.5%
$15,000
Mansion Tax Owed (Seller-Paid)
Applicable Rate1.0%
Sale Price$1,500,000
Who PaysSeller
Understand Why It Changed

Reflects New Jersey's Graduated Percent Fee ("Mansion Tax") as amended effective July 10, 2025, applying the full rate to the entire sale price once a threshold is crossed. For general planning purposes only — not tax or legal advice. Always confirm the exact fee with your closing attorney, as county recording practices and specific transaction details can affect the final calculation.

Tool 5 of 6

Are You Ready to Downsize?

Six quick questions. No pressure, no obligation — just clarity on where you stand.

Almost there

Where should we send your results?

We'll show your readiness result right after — no spam, just your results and, if you'd like, a follow-up.

Thanks — loading your results...

I'll also follow up personally within one business day with a closer look at your numbers.

Book a No-Pressure Conversation

This quiz is a general self-reflection tool, not financial, tax, legal, or professional advice, and your result is not a recommendation to buy or sell. Every situation is different — please speak with a qualified real estate, financial, or legal professional before making a decision about your home.

Tool 6 of 6

Seasonal Home Maintenance Guide

A quarter-by-quarter checklist — plumbing, interior, electrical, and exterior — to protect your home's condition and value. Free download, straight to your inbox.

Free Download

Where should we send your guide?

One PDF, straight to your inbox — yours to keep and use every season.

Your Guide Is Ready

Thanks — your Seasonal Home Maintenance Guide is ready to download below. A copy of this link isn't emailed automatically; save the PDF now so you have it on hand.

Download the Guide (PDF)

Prepared for the personal use of the recipient — not for redistribution, resale, or republication without permission. Content is a general seasonal checklist, not a professional inspection; always consult a qualified contractor, plumber, electrician, or home inspector for specific concerns.