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Tools & Resources

Plan with
confidence.

Whether you are buying your first home, relocating to El Paso, preparing to sell, or comparing your options, these tools are here to help you start with clarity.

Explore Calculators
Roots & Rise Realty Group
Simple tools for smarter real estate decisions.
A calmer way to make big decisions.

Real estate can feel overwhelming when you are trying to understand payments, budgets, relocation costs, and selling numbers all at once.

That is why Cassandra created this resources page as a simple starting point.

Start Here

Helpful numbers before
the next big step.

These calculators are designed to give you a general estimate, not a final quote or financial approval. Use them to explore possibilities, compare scenarios, and get a better sense of what your next move could look like.

When you are ready for personalized guidance, Cassandra can walk through your goals, your timeline, and your numbers with you directly.

Interactive Tools

Choose a calculator
and start planning.

Estimate your monthly payment, compare renting against buying, budget a relocation, find out what you can afford, and project your seller proceeds.

Loan Type
VA
0% down eligible
FHA
From 3.5% down
Conventional
From 5% down
Purchase Details
Home Price $300,000
Down Payment $0 (0%)
Set your own down payment
Interest Rate 6.50%
Loan Term 30 years
30 yr
20 yr
15 yr
10 yr
Monthly Costs
Property Tax Rate
%
El Paso County averages around 2.7% — adjust for your exact address
Homeowners Insurance / yr
$
HOA / mo
$
Extra Principal / mo
$
Closing Costs & Seller Details
Title Policy Paid By
Seller Contribution
Closing Cost Rate (% of loan) 2.5%
Total Monthly Payment
$—
Principal, interest, PMI, taxes, insurance & HOA
Principal & Interest—
Mortgage Insurance —
Property Tax —
Homeowners Insurance—
HOA Dues—
Total Monthly—
Loan Amount
—
After down payment
Total Interest
—
Over loan term
Total Cost
—
All payments combined
Payoff Year
—
Estimated completion
Principal —Interest —
Estimated Closing Costs
Origination / Lender Fees—
Appraisal & Inspection~$800
Title Insurance—
Escrow / Attorney Fees—
Recording & Transfer—
Prepaid (Insurance + Tax Escrow)—
Total Closing Costs (Est.)—
Cash Needed at Closing—
Live Market Data · Federal Reserve
Current mortgage rates
Historical rate data sourced directly from the Federal Reserve Bank of St. Louis (FRED). Use these trends to inform the interest rate you enter above.
Source: Federal Reserve Bank of St. Louis (FRED) · Updated weekly
Ready for the next step?
Let's turn these numbers into a plan.
These are estimates. Reach out to Cassandra and she will connect you with a trusted local lender for exact figures.
Call Cassandra · (915) 292-4399
Cassandra · Roots & Rise Realty Group
All figures are estimates for illustrative purposes only and do not constitute a loan offer or financial advice. Property tax rates, insurance premiums, and closing costs vary by address and lender.
Renting Details
Monthly Rent $1,800
Annual Rent Increase
%
Renter's Insurance / yr
$
Buying Details
Home Price $300,000
Down Payment
%
Interest Rate
%
Loan Term
Property Tax Rate
%
HOA / mo
$
Home Insurance / yr
$
Maintenance / yr
$
Market Assumptions
Home Appreciation / yr
%
Investment Return (if renting)
%
Compare Over
5 yrs
10 yrs
20 yrs
30 yrs
Break-even Point
—
When buying overtakes renting
Break-even Year
—
Renting
Monthly Payment—
Total Paid—
Investment Value—
Net Position—
Buying
Monthly Payment—
Total Paid—
Home Equity—
Net Position—
Upfront Cash to Buy (down + closing)—
Projected Home Value—
Equity Built—
Total Cost of Renting—
Total Cost of Owning—
Advantage After 10 Years—
Not sure which makes sense for you?
Let's run the numbers together.
Cassandra can walk through your timeline, your goals, and what the El Paso market is actually doing right now.
Call Cassandra · (915) 292-4399
Cassandra · Roots & Rise Realty Group
Investment returns and home appreciation are assumptions, not guarantees. This comparison excludes tax deductions and selling costs at the end of the period.
What do you want to calculate?
Max Home Price
Enter your income
Income Needed
Enter a target price
Annual Gross Income
$
Co-Borrower Income (optional)
$
Loan Parameters
Down Payment
%
Interest Rate
%
Loan Term
Property Tax Rate
%
Homeowners Insurance / yr
$
HOA / mo
$
Monthly Debts (for DTI)
Car Payment(s)
$
Student Loans
$
Credit Card Minimums
$
Other Monthly Debts
$
Max DTI Guideline
36% Conservative
43% Standard
50% Maximum
Max Home Price
$—
Based on your income and DTI
Gross Monthly Income—
Max Monthly Debt Load (DTI)—
Existing Monthly Debts—
Available for Housing Payment—
Est. Monthly Payment—
Front-End DTI (housing only)—
Back-End DTI (all debts)—
Max Loan Amount
—
Financed portion
Down Payment Needed
—
Cash required
Income Needed
—
At current DTI
DTI Status
—
Debt-to-income ratio
Price Range by DTI Guideline
Conservative (36% DTI)—
Standard (43% DTI)—
Maximum (50% DTI)—
Know your budget. Find your home.
Cassandra will help you get pre-approved.
An estimate is a starting point. A pre-approval is what gets your offer taken seriously.
Call Cassandra · (915) 292-4399
Cassandra · Roots & Rise Realty Group
Affordability estimates use standard DTI guidelines and do not constitute pre-approval or a loan offer. Lenders weigh credit, assets, employment history, and loan program differently.
Your Move Details
Moving Distance
Home Size
Move Type
Full Service Movers
Hybrid
Self Move
Changing distance, size, or move type will reset the mover and packing estimates below
Moving Expenses
Professional Services
Moving Company / Truck
$
Packing Services
$
Storage (if needed)
$
Specialty Items (piano, art)
$
Travel & Temporary Living
Travel (flights / fuel)
$
Temporary Housing
$
New Home Setup
Furniture / Appliances
$
Home Improvements
$
Utility Deposits / Setup
$
Cleaning Services
$
Administrative
Vehicle Registration / Transfer
$
Mail / Admin / Misc
$
Reimbursements & Offsets
Employer / Military Relocation
$
Sale Proceeds / Credits
$
Your Out-of-Pocket Cost
$—
After reimbursements and credits
Professional Services—
Travel & Temporary Living—
New Home Setup—
Administrative—
Total Before Reimbursements—
Reimbursements / Credits—
Your Out-of-Pocket Cost—
Recommended Budget Buffer
Your estimate as entered—
Plus 15% buffer (recommended)—
Plus 25% buffer (safe cushion)—
Planning a move to El Paso?
Let Cassandra guide your transition.
From neighborhoods to school districts to trusted local vendors, she has done this with families arriving from all over.
Call Cassandra · (915) 292-4399
Cassandra · Roots & Rise Realty Group
Moving costs vary significantly by season, provider, and household size. These figures are illustrative starting points, not quotes.
Sale Details
Expected Sale Price $300,000
First Mortgage Payoff
$
Second Lien / HELOC
$
Property Tax Rate
%
Estimated Closing Month
Texas property taxes are paid in arrears, so the seller owes taxes for the portion of the year they owned the home
Commissions
Listing Side
%
Buyer Side (if offered)
%
Seller Closing Costs
Owner's Title Policy
%
Escrow / Attorney Fees
$
Survey
$
HOA Transfer / Resale Cert
$
Home Warranty
$
Repairs / Inspection Items
$
Buyer Concessions / Credits
$
Other / Misc Fees
$
Estimated Net Proceeds
$—
After payoff, commissions, and closing costs
Sale Price—
Listing Commission—
Buyer Side Commission—
Title, Escrow, Survey & Fees—
Prorated Property Tax—
Repairs, Warranty & Concessions—
Loan Payoff(s)—
Net Proceeds to You—
Total Selling Costs
—
Percentage of sale price
Current Equity
—
Sale price minus payoff
Equity Retained
—
Of your current equity
Break-even Price
—
To walk away at zero
Net to You —Costs & Payoff —
What If You Sold For More?
5% below asking—
At asking price—
5% above asking—
Thinking about selling?
Get a real number, not an estimate.
Cassandra will prepare a full seller net sheet based on your actual payoff, your neighborhood, and current buyer demand.
Call Cassandra · (915) 292-4399
Cassandra · Roots & Rise Realty Group
Commission rates are negotiable and not set by law. Actual proceeds depend on title fees, payoff timing, prorations, negotiated repairs, and final contract terms.
More Guidance

A few smart ways
to use these tools.

01
Compare Scenarios
Try different home prices, down payments, and interest rates so you can see how each change affects your estimated monthly payment.
02
Plan Your Cash
Relocation, closing costs, repairs, and deposits can add up quickly. Use these tools to prepare before you make a move.
03
Talk Through the Numbers
Once you have a rough estimate, Cassandra can help you understand what the numbers may mean for your real estate goals.
Ready for Real Guidance?

Your numbers are just
the beginning.

Online calculators are helpful, but real estate decisions are personal. Cassandra can help you understand your options, compare neighborhoods, prepare for your next step, and make a plan that fits your life.

Get in Touch Today
Need help reading your results?

Send Cassandra your questions and she will help you understand what your estimates may mean for buying, selling, relocating, or planning your next move in El Paso.

(915) 292-4399 [email protected]