Transparency
How PropCalcHub estimates real estate numbers
PropCalcHub calculators are designed for planning. They use straightforward formulas, editable assumptions, and state-level defaults so users can understand the major moving parts before replacing estimates with official quotes.
Core principles
The calculators separate major inputs instead of hiding them inside one percentage. For sellers, the estimate starts with sale price and subtracts mortgage payoff, commission, concessions, transfer taxes, and seller-side fees. For buyers, the estimate combines down payment with lender fees, title fees, prepaid expenses, recording fees, inspection, and appraisal costs. Mortgage payment estimates use the standard amortization formula for principal and interest, then add taxes, insurance, and HOA dues.
Defaults are intentionally editable. A planning number is useful only when users can replace it with real information from a lender, agent, title company, closing attorney, insurance quote, tax record, payoff statement, or settlement worksheet.
State-level fee defaults
ZIP code inputs are used to identify a state-level estimate. That helps avoid a single national default, but it does not capture every county, city, transaction type, exemption, local tax tier, or title practice. If a state has known local variation, PropCalcHub surfaces a note where possible.
Transfer tax calculations
Transfer tax estimates are calculated from the sale price when the state-level rule is percentage-based or charged per $100, $500, or $1,000 of value. Some states are shown as no transfer tax in the planning rules, while others may still have local charges or negotiated fees that should be verified before closing.
Limitations
PropCalcHub does not generate a Loan Estimate, Closing Disclosure, seller settlement statement, legal opinion, tax opinion, appraisal, or lending decision. The calculators do not know every contract term, local recording office rule, tax proration, HOA fee, payoff condition, title exception, insurance premium, interest lock, or escrow requirement. Treat every result as a starting estimate and confirm final numbers with the professionals involved in the transaction.