Off-Market Homes for Sale Jacksonville FL | RealSmoothDeals.com

Annual Savings/(Cost) of Owning vs. Renting (Renting Cost less Owning Cost):

12,614

Assumptions

Rate of Return on Investments:

Marginal Income Tax Rate (your combined Federal and State tax rate):

Estimated Annual Appreciation of Home:

Down Payment on Home (funds available for down-payment):

Estimated Closing Costs:

Estimated Purchase Price of Home:

Monthly Rent Currently Paying:

Cost of Renting

Annual Rent (Monthly Rent X 12):

12,000

Renter’s Annual Insurance Premium (if any):

Total Annual Cost of Renting

12,325

Cost of Buying

Mortgage Loan Amount:

122,400

Annual Interest Rate:

Term of Mortgage (in years):

Monthly Mortgage Payment:

761

Annual Mortgage Payment:

9,128

Annual Property Taxes:

Annual Homeowner’s Insurance Premium:

Estimated Annual Maintenance Cost:

Cost of Using Savings (Down Payment + Closing Cost X Investment Rate):

241

Total Cost of Buying

11,869

Less Adjustments

First Year Principal Reduction in Mortgage (increases annually):

560

Income Tax Savings of Interest Deductions Based on Marginal Tax Rate:

3,084

Income Tax Savings of Property Tax Costs:

360

Total Adjustments:

4,004

Annual after-tax Cost of Homeownership (Cost of Buying Less Total Adjustments):

7,865

Your Profit

Estimated First Year Appreciation in Home Value:

8,154

Net Annual Cost of Homeownership (After Tax Cost less Appreciation):

(289)

Annual Savings/(Cost) of Owning vs. Renting (Renting Cost less Owning Cost):

12,614

Porque Rentar Cuando Usted Puede Comprar?

Sabia usted que nuestro gobierno le paga a usted por ser propietario de casa?

Entre su informacion en las zonas de color rosa. Los resultados de sus ahorros estan mostrados en las zonas de color amarillas.

Ahorros/(Coste) anuales de poseer contra alquilarse (que alquila coste menos coste que posee):

12,614

Asunciones

Tasa de rendimiento en las inversiones:

Impuesto sobre ingresos en margen (tarifa combinada de impuestos federales y estatales):

Estimacion annual de la valorizacion de su casa:

Enganche por casa (Fondos disponibles para pago de enganche):

Estimacion de costos de cierre:

Estimacion por Precio de compra de su casa:

Pago de Arrendamiento mensual:

Costo de arrendamiento

Arrendamiento anual (renta mensual X 12):

12,000

Prima anual de suguro al arrendador:

Costo total anual por arrendamiento

12,325

Costo de compra

Cantidad de prestamo hipotecario:

122,400

Tarifa de interes anual:

Terminos hipotecarios (calculado en años):

Pago hipotecario mensual:

761

Pago hipotecario anual:

9,128

Impuestos de propiedad anuales:

Prima anual de seguro al propietario:

Estimacionanual por Costos de mantenimiento:

Costo por uso de cuanta de ahorros (pago de enganche + costos de cierre X tarifa de inversion):

241

Costo total por compra

11,869

Menos el ajuste

Reduccion de capital Hipotecario por primer año (incremento anual):

560

Ahorro de impustos en base y deduccion de interes sobre la tarifa de impuesto marginal:

3,084

Ahorro de impuestos por costos de propiedad:

360

Total de ajuste:

4,004

Costo anual despues de impuestos al propietario (Costo de compra menos el total de ajuste):

7,865

Su ganancia

Estimacion de valorizacion de su casa por el primer año:

8,154

Costo anual neto por posecion (Costo despues de impuestos menos valorizacion):

(289)

Ahorros/(Coste) anuales de poseer contra alquilarse (que alquila coste menos coste que posee):

12,614

Disclaimer

RealSmoothDeals.com and Smooth House Buyers operate as real estate buyers, investors, and problem-solvers. We are not acting as lawyers, accountants, or financial advisors, and nothing on this site should be taken as legal, tax, or financial advice. Always consult licensed pros before making property or financial decisions. In some situations where a direct purchase is not the best option, representatives of Smooth House Buyers may offer limited real estate brokerage services as licensed agents in the State of Florida through Plum Tree Realty. Our primary role and intent is to make fair, fast, and creative offers to buy property. Any license status is disclosed to Sellers as required by applicable law. All information is presented “as-is” and may change without notice. No guarantees are made regarding property availability, pricing, financing terms, or transaction outcomes. Submission of information through this site does not create any contractual offer, obligation to purchase,

Our local office is independently owned and operated. None of the entities named below are parties to any offers, deals or contracts, oral or written, by users of this website or documents provided. We buy, sell and hold real estate with the intent to earn a profit. We are not a law firm, nor are we attorneys, CPA’s or Financial Planners and do not provide Legal or other advice. Seek the advice of those professionals should you need their services.

Copyright © 1997 - 2026 Trust Associates. All Rights Reserved. All text, images, logos, content, design and coding of this website is protected by all applicable copyright and trademark laws. No reproduction, distribution, or transmission of the copyrighted materials at this site is permitted without the written permission of Trust Associates., unless otherwise specified. Using this site means you agree to our Terms of Use and Privacy Policy.
Learn more about: Certified Affordable Housing Provider®

Smooth Home Options

Porque Rentar Cuando Usted Puede Comprar?

Featured Home

Credit Restoration

Apply for your dream house

Certified Affordable Housing Provider

Smooth Home Options

Disclaimer