Gary Gooden's Calculators

Gary Gooden

Real Estate Advisor · eXp Realty

843‑566‑6733
1372 Peachtree St NE, Atlanta, GA

Access Gary's Calculators

Enter your info once to unlock all four tools below — the Mortgage Calculator, the Loan & Debt-to-Income Calculator, the Home Value Estimator, and the Seller Net Sheet. Gary will follow up if you have questions.

Estimate your total monthly payment

See how a temporary rate buydown, property taxes for your county, and homeowners insurance combine into what you'd actually pay each month — from move-in through the life of the loan.

Your scenario

Adjust any field — everything updates instantly.

Home Price $350,000

Down Payment 10% · $35,000

Interest Rate 6.000%

Loan Term

Buydown Type

County

Sets the average effective property tax rate for that county.

Property Tax Rate 0.75%

Insurance Rate 0.77%

Monthly HOA $0

PMI Rate 0.75%

Include estimated PMI (typically required by lenders when your down payment is under 20%)

Estimated payment — Year 1

$0

Payment by stage

Payment breakdown over time

Principal & interest steps up as the buydown ends; taxes, insurance, HOA and PMI stay level.

How to read this: the "Monthly Buydown Credit" is the gap between the full‑note‑rate principal & interest payment and your reduced payment in that stage — the amount a seller or lender credit typically covers during the buydown. Property tax, insurance, HOA and PMI are not discounted by a buydown and apply from day one. This tool produces planning‑level estimates only — it is not a Loan Estimate, an official county tax bill, or a bound insurance quote. Property tax rate defaults are metro‑Atlanta county averages (Ownwell, 2026); homeowners insurance default approximates Georgia's statewide average (Insure.com, 2026). Confirm exact figures with your lender, county tax assessor, and insurance agent.

Loan & Debt-to-Income Calculator

Two tools in one place: estimate a monthly payment and full amortization schedule, then check how it fits into an overall debt-to-income picture. Figures below are estimates for planning — your lender's numbers may vary.

Loan details

Adjust any field — everything updates instantly.

Loan Amount

Interest Rate

Loan Term

Start Date

Extra Monthly Payment

Extra Annual Payment

Monthly Payment (Principal & Interest)

$0

Yearly Payment

$0

Total Interest

$0

Total Cost of Loan

$0

Time Saved

—

Balance over time

See how extra payments shorten the loan.

Monthly gross income

Before taxes — everyone on the loan application.

Base Income

Overtime

Bonuses

Commission

Net Rental / Other Income

Monthly debt payments

Minimum required payments on all accounts.

Proposed Housing Payment (PITI)

Use the Monthly Payment from the Loan Calculator tab

Car Loan(s)

Student Loan(s)

Credit Card Minimums

Other Loans / Liabilities

Total Monthly Income

$0

Total Monthly Debt

$0

Back-end DTI (all debt)

0%

0%25%36%43%50%+

Front-end DTI (housing only)

0%

0%15%28%36%45%+

What's it worth? Get a quick market value estimate

Start with the address you're curious about, add a few details, and see an estimated value range built the same way Gary builds it — pulling nearby comparable sales and adjusting for size, condition, and age.

The property

Adjust any field — the estimate updates instantly.

Address

Used to pick the right neighborhood comps below — type the ZIP if you know it.

Neighborhood

Property Type

Detached = standalone single-family. Attached = townhouse/rowhouse sharing walls. Used to refine the live estimate.

Bedrooms

Bathrooms

Square Footage 1,500 sqft

Year Built

Condition

Estimated Market Value

Sample Estimate

$0

$0 $0

Comparable sales used

Nearby recent sales, adjusted for how this property differs from each one.

About these comps: the sales shown here are sample figures for demonstration. Gary refreshes this list from FMLS, county tax records, and GAMLS as new sales close — ask him for the very latest comps in your area.

How this is calculated: each comparable sale is adjusted up or down based on differences in square footage, bedrooms, bathrooms, condition, and age from the property above, then blended into a single estimate — weighted toward the most recent and closest sales. This mirrors the comparative market analysis (CMA) process agents use, but it's a quick planning-level estimate, not a full appraisal, BPO, or substitute for a licensed appraisal. Contact Gary for a complete, personalized market analysis.

Estimate what you'll walk away with

Enter your sale price and mortgage payoff, and see a full breakdown of commission, closing costs, prorations, and concessions — down to your estimated net proceeds at closing.

Your sale scenario

Adjust any field — everything updates instantly.

Expected Sale Price $350,000

Mortgage Payoff Balance $220,000

Other Liens / Loans

HELOC, judgments, tax liens, etc.

County

Sets the property tax estimate below.

Annual Property Tax

Auto-estimated from your county's average rate — edit if you know the actual bill.

Closing Date

Used to prorate property taxes between you and the buyer (Georgia bills are issued in arrears).

Total Commission 6.00%

Attorney & Closing Fee

Georgia's metro average runs about 5.7% total, split between listing and buyer-side compensation — fully negotiable in your listing agreement.

Title Fees & Insurance 0.57%

Recording & Misc Fees

Buyer Closing Cost Credit

Repair Credit

HOA Proration & Transfer Fee

Only applies if the property is in an HOA — leave at $0 if not.

Include a home warranty for the buyer (~$550, a common closing concession)

Estimated Net Proceeds to Seller

$0

Net proceeds Payoff & costs

How your proceeds break down

Every line item below is an estimate — your closing attorney's settlement statement will have the exact figures.