Tools

Calculators

Arithmetic you would otherwise do on the back of an envelope. Every figure depends on assumptions you supply, and none of it replaces a settlement statement, an appraisal or advice from your own professionals.

Valuation range Seller net sheet Equity split Affordability

Sellers

Net proceeds estimator

What actually reaches you at closing, after payoff, compensation, Oklahoma documentary stamps and prorations.

Contract price

First mortgage payoff

Second lien or HELOC

Total brokerage compensation (%)

Buyer concessions (% of price)

Repairs or credits

Other costs

Survey, HOA transfer, home warranty, attorney fees, anything else you are covering.

What is built in

Oklahoma documentary stamp tax at $0.75 per $500 of consideration, an illustrative title and closing band, and a placeholder tax and HOA proration. All three vary by transaction and by closing date — treat them as approximations, not quotes.

Buyers

Affordability

A purchase ceiling from income, existing obligations and rate. Lenders will reach their own conclusion, and theirs is the one that counts.

Gross annual household income

Existing monthly debt payments

Down payment available

Interest rate

6.50%

Debt-to-income ceiling

43%

Forty-three per cent is a common conventional limit. Some programmes go higher.

Loan term (years)

Roughly twenty-two per cent of the monthly budget is reserved for taxes, insurance and any HOA dues. Oklahoma property tax and insurance vary widely by county and by house; a lender’s estimate will be specific to yours.

Also

The divorce equity split estimator lives with the practice page

It needs the surrounding explanation to be useful, so it sits alongside the material on how these sales run.

Open the equity split tool

Next step

Tell us what the file looks like.

Every engagement starts with a conversation about the constraints — the court date, the decree language, the co-owner who disagrees. Bring the complications.

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