Real Estate Calculators
How much equity do I actually have, and what would I walk away with?
Equity is what your home is worth minus what you still owe, but the number that matters to most owners is what you would walk away with after a sale. In Pennsylvania that means commission, your share of the transfer tax, and settlement costs. This calculator shows both numbers: your true equity and your realistic net proceeds.
Your home and your debts
If you sell, estimated deductions
Seller usually pays half the combined rate.
Why it matters in the Lehigh Valley: owners who bought before the 2021-2023 run-up and many who bought in the 2010s hold meaningful equity today. Whether you are downsizing, stepping up, or cashing out to invest, knowing your true number tells you what your next move can afford. Tim reviews real numbers and current comparables on every valuation he prepares.
Run the numbers with Tim, then talk them through
Estimates are a great starting point. A 20-minute conversation with Tim Tepes turns them into a plan you can act on, with real listings, real comparables, and honest advice.
Estimates are for education and planning only, not a loan approval, appraisal, or tax advice. Actual costs, rates, and values vary by property and lender.
Dig deeper with Tim's Lehigh Valley guides
Free Home Valuation
A realistic value for your actual home from Tim, backed by 36+ years of local sales data.
Pennsylvania Closing Cost Estimator
The seller-side costs that come out of your proceeds at settlement.
Lehigh Valley Seller Guide
Tim's honest guide to pricing, prep, and the selling timeline.