Resources

Run the numbers before you make a move.

Free tools to estimate a mortgage payment, price out commercial space, and weigh renting against buying — all updating as you type.

Mortgage calculator

Estimate your full monthly payment, including taxes, insurance, and PMI.

$
$
20% down
%
$
$
$
$
Estimated monthly payment
$0 /mo
Principal & interest$0
Property tax$0
Insurance$0
PMI$0
HOA$0
Loan amount: $0 Total interest: $0

Commercial lease estimator

Price out a space from its square footage and rate. Add CAM / NNN charges for a true all-in number.

sf
$
$
Leave at 0 for a gross (all-inclusive) lease.
Estimated monthly rent
$0 /mo
Base rent$0
CAM / NNN$0
Annual total: $0 Effective: $0 /sf

Rent vs. buy

A quick monthly cash comparison between renting and owning the same home.

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$
%
%
$
%
Monthly cash comparison
Renting$0
Owning$0
Owning excludes equity you build, price changes, and tax effects — so the real gap is usually smaller than the cash gap.

Seller's net sheet

A quick estimate of what a seller walks away with after costs and mortgage payoff.

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$
%
Negotiable — set what you've agreed to.
%
Cuyahoga Co. ≈ 0.4%; varies by county.
$
$
$
$
Repairs, attorney, home warranty.
Estimated net proceeds
$0
Commission$0
Title & escrow$0
Transfer fee$0
Prorated taxes$0
Concessions$0
Other costs$0
Mortgage payoff$0
Gross sale price: $0 Total costs: $0

These tools give estimates for planning only and aren't financial advice. For figures specific to your situation, talk with a lender, attorney, or one of our agents.

Understanding agency relationships

Our Consumer Guide explains how agents represent buyers and sellers in Ohio — seller's agency, buyer's agency, dual agency, and how representation and compensation work at Local-n-Global Realty.

Closing-cost primer

What to expect at the table.

A plain-language look at the costs that show up at closing. Actual amounts vary by price, lender, and contract — these are the usual line items.

For buyers

  • Loan origination and lender fees
  • Appraisal and inspection
  • Title search, title insurance, and escrow
  • Prepaid taxes and insurance (escrow setup)
  • Recording and transfer fees

For sellers

  • Brokerage commission
  • Owner's title insurance (varies by area)
  • Transfer taxes and recording
  • Prorated property taxes
  • Any agreed buyer concessions or repairs

For investors

  • Higher down payment and rate for non-owner-occupied
  • Entity and legal setup, if applicable
  • Insurance suited to a rental or commercial use
  • Due diligence: leases, CAM, and operating costs
  • Reserves for vacancy and capital expenses

Numbers looking right?

Let's turn an estimate into a plan. Tell us what you're working toward and we'll take it from there.