AUSTIN RATE & HOLDING-PERIOD DESK
Separate money available at closing from money spent earlier or refunded later.
41 tools. One connected workspace.
Investment & selling
Separate cash received at settlement, a closing shortfall and items paid or refunded outside closing.
YOUR DECISION, IN NUMBERS
METHOD 2026-10-24.3Use actual agreed charges and a dated lender payoff statement, not principal balance alone. An expected refund is not guaranteed or available to fund closing. No capital-gains tax, selling-cost rule, title tariff, commission, tax proration or taxable profit is inferred. Do not include an already-paid item in closing deductions again.
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ONE PLAN / YOUR NEXT QUESTION
Review what carries across, then continue in another tool. The remaining values are examples to check.
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Net settlement cash: negative means owed
One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.
No. This is a cash settlement model. Purchase basis, improvements, depreciation, exemptions and taxes are not determined here. Keep already-paid costs and expected later refunds outside closing, then reconcile all charges with the actual settlement documents.
Ask about your next step ↗THE LONG VIEW
YOUR COMPARISON TABLE
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OPEN METHODS / BETTER QUESTIONS
Subtract percentage and fixed closing charges, buyer credits, entered tax proration and lien payoffs from sale price. A positive tax proration is a debit and a negative one is a credit. Pre-sale spending and an expected later escrow refund are shown separately from settlement cash.
Use actual agreed charges and a dated lender payoff statement, not principal balance alone. An expected refund is not guaranteed or available to fund closing. No capital-gains tax, selling-cost rule, title tariff, commission, tax proration or taxable profit is inferred. Do not include an already-paid item in closing deductions again.
Use actual property documents, matching lender estimates and qualified advice where needed. No calculator, API or MCP tool here issues an approval or guarantees a rate.
YOUR PLAN / READY TO KEEP
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