SAN JOSE RATE & HOLDING-PERIOD DESK
Separate money available at closing from money spent earlier or refunded later.
40 tools. One connected workspace.
Investment & selling
Separate cash received at settlement, a closing shortfall and items paid or refunded outside closing.
YOUR DECISION, IN NUMBERS
METHOD 2026-10-24.2Use actual agreed charges and a dated lender payoff statement, not principal balance alone. An expected refund is not guaranteed or available to fund closing. No capital-gains tax, selling-cost rule, title tariff, commission, tax proration or taxable profit is inferred. Do not include an already-paid item in closing deductions again.
Get help with my next step ↗Net settlement cash: negative means owed
One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.
No. This is a cash settlement model. Purchase basis, improvements, depreciation, exemptions and taxes are not determined here. Keep already-paid costs and expected later refunds outside closing, then reconcile all charges with the actual settlement documents.
Ask about your next step ↗THE LONG VIEW
YOUR COMPARISON TABLE
Save up to eight scenarios on this device. Each retains its own tool and assumptions; outputs from different methods are labeled separately. Download a plan before moving to another browser or independent portal.
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OPEN METHODS / BETTER QUESTIONS
Subtract percentage and fixed closing charges, buyer credits, entered tax proration and lien payoffs from sale price. A positive tax proration is a debit and a negative one is a credit. Pre-sale spending and an expected later escrow refund are shown separately from settlement cash.
Use actual agreed charges and a dated lender payoff statement, not principal balance alone. An expected refund is not guaranteed or available to fund closing. No capital-gains tax, selling-cost rule, title tariff, commission, tax proration or taxable profit is inferred. Do not include an already-paid item in closing deductions again.
Use actual property documents, matching lender estimates and qualified advice where needed. No calculator, API or MCP tool here issues an approval or guarantees a rate.
YOUR NEXT STEP / MITEY U.S.
Ask MITEY about the calculation, an assumption or how to organize your next decision. Choose whether to include your scenario.
This is an educational enquiry. It is not a request for a lender quote, approval or regulated mortgage advice.