The checks I run for every client — open to you too.
This is work I do for clients before they sign anything — the county tax rate for the actual parcel, any Mello-Roos, the supplemental bill, and what a sale really nets. You are not expected to do it yourself. It is published here because I would rather show the arithmetic than ask you to take my word for it. Every figure is an estimate based on what you enter — send me an address and I will pull the real one.
Run the numbers yourself
Every one of these works entirely in your browser. Nothing is sent anywhere, no email is required, and no result is stored. Use them, then call me if you want the verified figures for a specific property.
What will I actually walk away with?
The question every seller asks first. Estimate your net proceeds after everything comes out.
Your payoff figure will be slightly higher than your statement balance because of accrued interest.
Commissions are negotiable and are not set by law or by any MLS. Enter whatever you've actually agreed.
Varies by escrow company and price. Ask me for a current quote.
Excludes property tax proration, HOA transfer fees, home warranty, moving costs and any liens beyond your first mortgage. This is an estimate, not a settlement statement.
Should I fix it or sell it as-is?
Compare the cost of work against what it's likely to return, using your own figures.
Don't guess this. Ask me what comparable improved homes actually closed at.
Mortgage, tax, insurance, utilities — what the house costs you each month you still own it.
Return on improvements varies enormously by the specific work and the specific buyer pool. Treat this as a way to frame the decision, not settle it.
California property tax, supplemental bill & long-term projection
The full picture: Prop 13 basis reset, the homeowners' exemption, CFD assessments, the supplemental bill nobody warns you about, and how it all grows over ten years. Zillow and Redfin don't calculate any of this.
Under Proposition 13 your assessed value resets to the purchase price when you buy.
This drives your supplemental bill. It's public record — I can look it up. Leave blank and I'll assume 55% of purchase price as an illustration.
This genuinely changes what you owe. Closing January to May triggers two supplemental bills, not one.
Owner-occupants can claim the Homeowners' Exemption, which reduces assessed value by $7,000.
What will it cost me every month?
The full payment, not just principal and interest.
Use the estimator on the left, or ask me for the actual figure on a specific address.
How much cash do I need up front?
First-time buyers almost always underestimate this. Better to know now.
Closing costs are estimated at 2% of purchase price, which is a common range in California but varies by lender and escrow. Down payment assistance programmes exist and may change this picture — ask me and I'll refer you to a lender who can check your eligibility.
Am I ready to buy?
Six honest questions. You'll get told where you actually are — including if the answer is "not yet."
Sensible next steps
New construction — true cost, cash needed and full monthly
The base price on the sign is rarely what you pay, and roughly a third of the extras can't be financed at all. This runs the whole picture, including your supplemental tax bill and the CFD for the community.
Corner, greenbelt, larger or view lots. Often negotiable, especially late in a phase.
Flooring, counters, cabinets, electrical. Design centre pricing usually sits well above retail.
Most builders deliver front yard only. The back is yours, after closing, in cash.
Usually structured as a closing credit rather than a price cut — see the tool alongside for why that matters.
On the builder's disclosure pack. Leave blank and I'll use the community formula where it's published.
Builders often quote a lower rate through their own lender via a buydown. Use whichever you're actually being offered.
On new construction the land is typically assessed low before your home is finished, which makes the supplemental gap larger than on a resale.
Price cut or closing credit — which is better?
Builders push credits because they protect the recorded sale price. Here's what each does to your money.
A credit gives you cash at closing and keeps your recorded price high, which affects your property tax basis for as long as you own it. A price reduction lowers your loan, your payment and your tax basis. Which is better depends on how long you'll hold the home — worth talking through rather than guessing.
These tools are provided for general estimation only and use figures you supply. Deepinderjit Sidhu is a licensed real estate salesperson, not a mortgage lender, mortgage broker, loan originator, tax adviser, attorney or appraiser, and does not offer credit or lending services. Nothing here is a loan offer, quote, commitment, appraisal, valuation or tax advice. Property tax and assessment figures vary by parcel and change over time — verify any figure with the county and with your lender before relying on it. Consult a licensed lender (NMLS) for actual rates and terms, and a qualified tax professional on tax questions.
Find out why your listing didn't sell
Six questions about how it went on the market. You'll get the most likely cause to investigate first — before you give me any contact details.
It's a starting hypothesis, not a valuation. Confirming it takes the real MLS history for your address, which I'll pull and write up for you at no cost and with no obligation to list with me.
Most sellers who relist without diagnosing the original problem repeat it. The second listing then carries the stigma of the first. Ten minutes of analysis up front is worth more than any promise an agent can make you.
Listing diagnostic
Ten questions. You'll get a ranked primary and secondary cause, plus what to do about each.
What to do about it
This is a hypothesis from the pattern you described — not a valuation, appraisal or market analysis. Confirming it needs the actual MLS history for your address. Request the written review →
The trade is real. The arithmetic is more involved than the pitch.
Most people move out here for square footage and a mortgage that doesn't hurt, and that part is usually true. What catches people out is what sits underneath the list price.
CFD and Mello-Roos assessments. Many newer developments in River Islands, Mountain House and parts of Lathrop carry a Community Facilities District assessment on top of base property tax. On some homes this adds meaningfully to the monthly payment and runs for decades. It is disclosed — but it's often glossed over, and it can change which house is genuinely the better buy.
Commute is a cost, not just a duration. Driving, ACE rail and the BART-adjacent options each carry different costs in money, hours and flexibility. The right answer depends on where you actually need to be and how often.
The honest version: for many households the move is clearly worth it. For others, once commute and assessments are counted, it's closer than expected. I'd rather you know which one you are before writing an offer.
Current prices, tax rates and CFD figures change. I quote them from the MLS and the county at the time we speak — never from memory, and never from a portal estimate.
Monthly cost comparison
Your figures, not mine. Nothing here estimates your loan terms.
What this includes: principal and interest on the figures you entered, a property tax estimate at 1.1% of purchase price, plus any CFD and commute cost you supplied. It excludes homeowners insurance, HOA dues, mortgage insurance, maintenance and closing costs, and it is not a loan quote.
For estimation purposes only. Deepinderjit Sidhu is a licensed real estate salesperson, not a mortgage lender, mortgage broker, or loan originator, and does not offer credit or lending services. Figures shown are estimates and do not constitute a loan offer, quote, or commitment. Consult a licensed lender (NMLS) for actual rates and terms.