Calculators
Run the numbers before you decide
Free, private calculators with every assumption shown. Your inputs stay in your browser. Clavesta shows the math; you decide what it means for you.
For sellersYour options to sellSee which ways to sell fit your mortgage, side by side: cash or bank loan, assumable and seller financing, with what you’d net and keep.For buyersYour options to buyCompare a bank loan, taking over a seller’s loan and seller financing: cash needed, monthly payment and cost over time.For buyers and sellersClosing costs and savingsTypical closing costs for your side and financing, Clavesta’s flat fees, and the agent commission you’d keep.For buyersCan I get a mortgage?A private estimate of your bank-loan budget and likely loan programs, plus other ways to buy. Not a pre-approval.For sellersSeller financing incomeCompare the monthly income from carrying a note with selling for cash and investing the proceeds.For buyersBuyer affordabilitySee which price, down payment and monthly payment could fit your budget.For sellersHome sale taxEstimate how the home sale exclusion (Section 121) and an installment sale (Section 453) could affect your tax.For sellersSeller note simulatorSee a range of outcomes for a seller-financed note, from median to worse- and better-case, under example default and payoff assumptions.For sellersRetirement tax plannerCompare year-by-year after-tax cash from an installment sale vs. a lump sum, with NIIT and IRMAA flags explained.
Educational information, not legal, tax or financial advice. Results are estimates based on the numbers you enter and simplified assumptions. Confirm with a CPA, attorney or licensed loan originator.
For sellers
Sell directly and keep the commission
Create a free account to see buyer interest near your home and which ways to sell fit your mortgage: cash or bank loan, a buyer taking over your loan, or seller financing.
- Free, no obligation
- Your address stays private
- Verified buyers only