RealtyBites · Tools

Run the Real Numbers

Three honest calculators for Bay Area buyers, owners, and sellers — built on current local data, not national averages.

Hi, I'm Tye — welcome to my real estate playground. ⛵

Every tool here is free — no signup, no catch. Got a suggestion, or wish a tool existed? Tell me — I take requests.

The Real Mortgage Calculator

Most calculators only show principal & interest. This one adds the stuff that actually hits your monthly check — taxes, insurance, HOA, and PMI — plus what an extra payment buys you.

Home Price

Down Payment 20%

Interest Rate 30-yr avg ≈ 6.33%

Loan Term

Where's the home? sets the local tax rate

Property Tax % of price — CA reassesses to what you pay

Mello-Roos / special tax per year, if any

Home Insurance per year

HOA Dues per month

Extra Payment per month, optional

Estimated total monthly payment

Loan Amount

Est. cash to close

Total Interest (life of loan)

💸 Seller credit · the quirky one

A seller credit doesn't have to just cover closing costs. Applied to a rate buydown, it lowers your actual monthly payment — sometimes worth far more than the same dollars knocked off the price. Here's the same credit, three ways.

Seller credit amount often 1–3% of price

Apply it as…

Get pre-qualified the smart way

I'll connect you with a Bay Area lender who actually picks up the phone — and walk you through what these numbers mean for your buying power. No pressure, no spam.

✓ Got it — Tye will reach out shortly.

Renovation Estimator

Pick what you're thinking about. Ranges reflect current Bay Area labor, permits, and material pricing (2026) — not the national numbers other tools quietly use. Tap a project to add it.

Where's the home? adjusts pricing for local labor & material costs

Estimated project budget

$0 – $0

Est. resale value added

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Blended cost recouped

Reality check: these are planning ranges, not bids. Bay Area projects routinely run 15–30% over on older homes (knob-and-tube wiring, galvanized plumbing, asbestos, seismic). Always get 2–3 licensed contractor quotes before you commit. "Value added" assumes quality work and current buyer demand — it is an estimate, not a guarantee.

Renovate to sell, or to stay?

These are planning ranges — every home and contractor is different. Tell me your project and I’ll get you a tighter, real-world number for your home, plus which of these Bay Area buyers actually pay you back for right now, and which you’d be doing just for yourself.

✓ Got it — Tye will reach out shortly.

Should I Sell? — Net Proceeds Estimator

Estimate what you'd actually walk away with today, based on how homes in your area have appreciated since you bought. This is a directional estimate, not a CMA on your exact home — but it's a real starting point.

What you paid

Year you bought

Your area sets the historical appreciation rate

Mortgage balance left optional, $0 if paid off

Selling cost assumptions (tap to adjust)

Agent commission total

Transfer tax $ per $1,000 — Bay county base ≈ 1.10

Title / escrow / misc % of sale

Prep, staging & repairs flat $

Estimated net proceeds (cash in your pocket)

Est. current value

Gain since you bought

Total selling costs

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Annualized return

How this works: current value is projected from your area's long-run appreciation rate applied to your purchase price — not a sale-by-sale comparison of your actual neighbors. Recent years (2024–25) have been flatter than the long-run average, so treat this as a ballpark. For a real number on your home, you need a CMA. 👇

Want the real number? Get a free CMA.

A Comparative Market Analysis looks at what homes like yours actually sold for on your street in the last 90 days — square footage, condition, upgrades, the works. That's the number that matters. I'll prepare one for your address, free.

✓ Got it — Tye will prepare your CMA and reach out.