Mortgage Calculator
Monthly payment including the Florida costs others leave out — CDD assessments, flood insurance, and realistic homeowners premiums.
Seller Net Proceeds
What you actually walk away with after payoff, commission, Florida doc stamps, title, prorated taxes and HOA or CDD amounts.
CDD Fee Guide
How Community Development District assessments work, why they vary by phase, and what they do to a monthly payment.
Why Florida needs its own calculators
A national mortgage calculator assumes property taxes near 1% and insurance around $1,200 a year. Neither assumption holds in Tampa Bay. Florida homeowners insurance has moved sharply, coastal properties may carry flood coverage on top of it, and a large share of newer Tampa Bay communities carry CDD assessments that national tools don't have a field for at all.
The result is that a generic estimate can miss the real monthly cost by a wide margin — and it misses in the direction that makes homes look more affordable than they are. That's the gap these tools are built to close.
Related guides
CDD fees explained · Flood zones & insurance · First-time buyers · VA loans · Seller guide · New construction
Need the real numbers for a specific property?
These tools work from figures you enter. For an actual address I can check the current tax assessment, confirm CDD status and phase, look up the flood zone, and help you get an insurance quote before you're committed. Ask Erik →