Davenport Complete-Cost Checklist

A list price is one number. A responsible home decision requires the full cost picture.

Use this checklist for one exact property. Organize the estimated cash needed before closing, the ongoing monthly costs, irregular ownership expenses, and the facts that still need confirmation. Blank does not mean zero, and an online estimate is not the same as a written quote.

1 Enter the property Use an exact address or builder lot.

2 Add documented figures Record the source and date.

3 Expose the gaps Flag every cost still missing.

Buyer name

Exact property address

Listing URL

Intended use

Nelson Perez, REALTOR® MRP | Marine Veteran | Bilingual English and Spanish
30+ years of construction experience

954-418-2463 | nperez@axenrealty.com | honestyisrealty.com

Nelson Perez, REALTOR® Cash Before and At Closing

1. Upfront and Cash-to-Close Costs

Use lender, title, contract, inspection, insurance, association, builder, and vendor documents. Do not double-count deposits or prepaid items.

Cost category	Amount	Status	Source, date, or question

Upfront items entered $0

Deposits entered $0

Working cash-to-close figure $0

Important: This calculator organizes entries. It does not replace the lender’s Loan Estimate or Closing Disclosure, the title company’s settlement figures, or written builder and seller credits.

Nelson Perez, REALTOR® Monthly Ownership

2. Complete Monthly Ownership Cost

Compare the complete ownership package—not only principal and interest or a portal’s estimated payment.

Monthly category	Amount	Status	Source, date, or question

Housing and assessments $0

Services and reserves $0

Estimated complete monthly cost $0

Property taxes, insurance, mortgage insurance, HOA/CDD obligations, utilities, and maintenance needs can change. Use property-specific, current written information whenever possible.

Nelson Perez, REALTOR® Annual and Irregular Costs

3. Annual and Property-Specific Costs

Some costs do not arrive monthly, but they still belong in the decision.

Annual or irregular category	Amount	Status	Source, timing, or question

Annual and irregular total $0

Monthly equivalent $0

Monthly cost plus annual equivalent $0

Property facts that can change the cost

Tax method and likely post-purchase assessment reviewed Current property-specific insurance quote obtained Flood source and coverage question reviewed HOA, CDD, and assessment documents reviewed Roof, HVAC, plumbing, and electrical condition reviewed Utilities and service providers confirmed Use or rental restrictions reviewed Near-term repairs and setup needs estimated

Nelson Perez, REALTOR® Decision Test

4. Test the Property Against Your Limits

The goal is not to force the home to fit. The goal is to see whether the complete cost supports a responsible next step.

Cash available for closing and setup

Minimum reserves wanted after closing

Comfortable complete monthly limit

Most important cost still missing

Working comparison
Enter your figures to compare the property with your stated limits.

What cost question must be answered before you move forward?

Next responsible step

Want the complete-cost questions organized for one home?

Send Nelson the exact address, your intended use, and the cost question that matters most. Do not send private financial documents by text.

954-418-2463 nperez@axenrealty.com honestyisrealty.com

Educational and organizational use only. The totals are based solely on user-entered figures and may be incomplete. This checklist is not legal, lending, tax, insurance, inspection, engineering, appraisal, title, zoning, flood, accounting, or investment advice. Verify material amounts with current written documents and the appropriate qualified professionals. Do not send Social Security numbers, bank statements, tax returns, account numbers, or loan documents through this form or by text.