What is your equity, after the costs nobody shows you?
Most equity numbers stop at value minus loan. This one keeps going, line by line, so the estimate at the bottom includes the costs you entered. Confirm the figures before making a decision.
Private. Nothing on this page is shared with your lender. Use every slider with no name, no email, and no phone.
Step 1 of 4
Tell us where you are
What would you like to do with the house?
What changed? Pick any that fit.
Have you received anything about the loan in writing?
Example property. Replace with the address on what you received.
Step 2 of 4
Your numbers
Gross equity
$183,095
Value minus the loan. The number everyone quotes.
Net if you keep it
$174,279
After bringing the loan current.
Net if you sell it
$153,123
After the loan, catch-up, and sale costs.
Each month without a payment moves net equity by about $1,579.
Cost by cost
$29,972Home value
County appraised value
$312,000
Loan balance today
Estimated from $168,000 at 3.65%, 125 payments in
$128,905
Payments since the last one
Principal and interest, $769 a month, 4 months
$3,074
Late fees
5% of each missed payment, a common note term
$154
Escrow shortage
Assumes 2.2% annual tax plus the insurance you enter
$3,088
Servicer and attorney fees
Charged once a loan is referred out
$2,500
Second mortgage or HELOC
Paid before you see a dollar
$0
HOA or other liens
Also paid first
$0
Net if you keep it
$174,279
Only if you sell
Agent commission
Assumes 5.5%. Negotiable. Set to 0 if no commission applies
$17,160
Title policy and closing
Rough allowance, 0.8% plus $1,500. Not an official title quote
$3,996
Repairs or buyer credits
What a buyer asks you to fix or credit
$0
Net if you sell it
$153,123
Step 3 of 4
Paths people in your spot usually look at
Catch-up plan
The servicer spreads what is past due over future payments. Needs steady income again.
Loan change
The servicer rewrites the rate or term so the payment fits. Ask what a complete application requires.
Family transfer
A transfer can affect the mortgage, taxes, and title. It does not cure missed payments. Discuss the documents with a Texas attorney.
Sell with an agent
Price and timing vary. Compare the proposed commission, repairs, and closing costs.
Sell direct
Compare the written price, closing date, repairs, and costs. A direct offer may be lower. Compare the net, not just the price.
Sell to family
A relative buys it and you stay or move on your terms. Needs a lender who allows it.
Each path has its own paperwork and deadlines. The full list, with free county and nonprofit resources, is on our resources page. We are not a lender, not a law firm, and not your servicer.
Step 4 of 4
Want this in writing?
Common questions
- Is this an appraisal?
- No. It is an estimate from public records and the numbers you enter. An appraisal is an opinion of value from a licensed appraiser. Use this to understand your position, then confirm figures with your servicer.
- Is anything here shared with my lender?
- No. The calculator runs in your browser. Nothing is sent anywhere unless you ask for a copy or a report at the bottom of the page.
- How is my loan balance estimated?
- From the original loan amount, the start date, and the interest rate, using a standard 30-year amortization. It will not reflect a refinance, a modification, or extra payments. You can change any of the three inputs.