Compare your current home to the home you’re considering. In under 2 minutes, see your estimated equity, new monthly payment, cash needed to close, and whether the move fits your budget.
A valuation tells you what your home is worth. It doesn’t tell you what your next payment looks like, how much cash you’ll need at closing, or whether the move actually pencils. This calculator puts your whole financial picture in one place: your equity, your estimated selling proceeds, your new monthly payment with taxes and insurance, and the cash it takes to get the keys.
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Your Financial Summary
Monthly Cost Breakdown
| Principal & Interest | $0 |
| Property Taxes | $0 |
| Homeowners Insurance | $0 |
| HOA | $0 |
| Estimated Total Monthly Payment | $0 |
What Your Numbers Mean
I will walk you through a full net proceeds breakdown and a realistic payment picture for your specific situation. No pressure, no obligation, just clarity before you commit to anything.
One Quick Step
Enter your information to view your personalized Move Affordability Report.
I’m Steven Rotsart, a lifelong La Mesa resident and Coldwell Banker Realty agent with 28+ years and more than 1,000 closed transactions across East County San Diego. My job is to give you accurate numbers and honest guidance so you can make a confident decision, whatever you decide.
Coldwell Banker Realty · CalDRE #01254025 · PSAR R.E.A.L. Award · Top 1% San Diego County by Sales Volume
It gives you a solid planning estimate, not a final number. The math behind it is the same amortization formula lenders use, and the defaults reflect typical East County San Diego costs. Your actual figures depend on your final sale price, loan pricing, and escrow fees. When you are ready, I can run precise numbers for your specific situation.
In California, property taxes generally reset based on your new purchase price under Proposition 13. If you have owned your current home for years, your assessed value is likely far below market value, so a new purchase usually means a higher tax bill. Some homeowners 55 and older may be able to transfer their tax base under Proposition 19. Ask me or a tax professional whether you qualify.
Plan on roughly 6 to 8% of your sale price. That covers agent commissions, escrow and title fees, county transfer tax, and typical prep or repair items. The calculator pre-fills 7% and lets you adjust it. I provide every seller a line-by-line net proceeds estimate before we list.
No. If you put down less than 20%, most conventional loans add private mortgage insurance, which increases your monthly payment. The calculator flags this in your insights so you can factor it in. A lender can quote your exact PMI cost.
No. These results are estimates for planning only. A licensed lender determines what you qualify for based on your income, credit, and full financial picture. If you would like, I can connect you with trusted local lenders who know the East County market.
I follow up once by email with your results and to offer help if you want it. No pressure and no sales scripts. If the numbers say now is not the right time to move, I will tell you that too.
Steven Rotsart · Coldwell Banker Realty · CalDRE #01254025
9332 Fuerte Drive, La Mesa, CA 91941 · (619) 461-5800 · associates@rotsart.com · rotsart.com
Equal Housing Opportunity. Steven Rotsart and Coldwell Banker Realty support the principles of the Fair Housing Act and the Equal Opportunity Act.
This calculator provides estimates for planning purposes only. It is not a loan approval, appraisal, or financial, tax, or legal advice. Actual costs, rates, taxes, and proceeds will vary. Consult a licensed lender and tax professional for figures specific to your situation.
