Florida True Cost Calculator
Monthly payment and cash to close with Florida taxes, insurance, flood, HOA, CDD, and loan fees.
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Guides and checklists for every step.
Straight answers about buying, selling, and moving in Northeast Florida. Free to read, print, and share.
By Dawn Spencer · Last updated
Interactive Tools
Run your own numbers
New-Listing Alerts
New homes in your neighborhood and price range, as they hit the MLS.
Set up alertsMarket Updates
NEFAR's monthly numbers and what they mean for you.
See the marketVeteran Benefits Checker
Your VA funding fee or exemption, plus the Florida property tax exemptions you may qualify for.
Check your benefitsBuying & Selling
Step-by-step guides
Buyer's Guide
The order of events from pre-approval to closing, plus a printable checklist.
Read the guideSeller's Guide
Valuation to closing, with a printable preparation checklist.
Read the guideFirst-Time Buyers
Low down payment loans and Florida assistance programs.
Read the guideMoving Checklist
Eight weeks to moving day, ready to print.
Get the checklistMoney Matters
Loans, costs, taxes, and insurance
Mortgage Guide
Conventional, FHA, VA, USDA, and jumbo loans compared.
Read the guideFlorida Closing Costs
Doc stamps, title insurance, and who typically pays what.
Read the guideHomestead Exemption
Lower your property taxes, and don't miss March 1.
Read the guideInsurance & Flood
Wind mitigation, four-point inspections, and flood zones.
Read the guideMoving Here
Relocation, military, and visiting
PCS to Jacksonville
Military move timeline, checklist, and official resources.
Read the guideSchools & Colleges
School choice, open enrollment, ratings, scholarships, and area colleges.
Read the guideRelocating to Jacksonville
Counties, utilities, licenses, and schools.
Read the guideVisiting & House-Hunting
Where to stay and a sample three-day trip.
Plan your visitLiving in Jacksonville
Beaches, sports, arts, and what's happening tonight.
ExploreLet's talk about where you're headed.
Buying, selling, building, or just exploring your options, call or text me any time.
Dawn Spencer, REALTOR® · Hi Real Estate