Big Mike Sells KC

Northland Homeowner Tools

Free calculators and reference tools for KC Northland homeowners and home sellers. All formulas are shown. These are educational estimates only — verify all figures with a licensed agent, lender, and attorney before making any decision.

Educational tools only. These calculators use general estimates and do not account for your specific property condition, tax situation, loan terms, or market micro-conditions. Outputs are not financial, legal, or tax advice. Do not use results as the sole basis for any decision. Always verify with a licensed real estate agent, lender, title company, and attorney.

A — Estimated Seller Net Proceeds

Estimate what you may take home after a sale. Inputs are adjustable; all common closing costs are itemized. Figures are estimates — actual costs vary by transaction.

Sale Price ($)

Remaining Mortgage ($)

Agent Commission (%)

Pre-Sale Repairs ($)

Buyer Concessions ($)

Title / Closing (~1.0%)

Estimated Net Proceeds

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Formula: Net = Sale Price − Mortgage − (Sale Price × Commission%) − Repairs − Concessions − Title/Closing
Title/Closing default = 1.0% of sale price (estimate; verify with your title company)

This calculator requires JavaScript. To estimate manually: Net = Sale Price − Mortgage − Commissions − Repairs − Concessions − Closing Costs (~1–1.5% of price).

B — Cost of Waiting to Sell or Move

Quantify the monthly carrying cost of delaying a sale. Waiting has a real cost in mortgage payments, insurance, taxes, and maintenance — independent of price movement, which this tool does not predict.

Monthly Mortgage Payment ($)

Monthly Insurance ($)

Monthly Property Taxes ($)

Monthly Maintenance ($)

Months of Delay

Total Carrying Cost During Delay

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Formula: Total = (Mortgage + Insurance + Taxes + Maintenance) × Months
This does not model appreciation or depreciation — it estimates only the verified ongoing cost of holding.

C — Renovate vs. Sell As-Is

Compare estimated net proceeds from selling as-is versus investing in improvements first. The key question is whether the value increase exceeds the cost plus carrying time.

As-Is Sale Price ($)

Renovation Cost ($)

After-Reno Sale Price ($)

Monthly Carry During Reno ($)

Renovation Duration (months)

Commission (%)

Recommended Path

Net As-Is = As-Is Price × (1 − Commission%) − Closing (est. 1%)
Net After-Reno = Reno Price × (1 − Commission%) − Closing − Reno Cost − (Monthly Carry × Months)
Recommended = path with higher net, accounting for time cost of renovation period.

Requires JavaScript. Compare: (After-reno price minus reno cost minus carrying costs) versus (as-is price). Subtract commissions and closing costs from both sides.

D — Offer Comparison

Compare up to three offers side by side on the terms that affect your actual net. The highest offer price is not always the best net. Compare terms, not just price.

Offer A

Offer A Price ($)

Offer A Concessions ($)

Offer A Inspection Limit ($)

Offer A Financing Type

Adjusted Net (est.) —

Offer B

Offer B Price ($)

Offer B Concessions ($)

Offer B Inspection Limit ($)

Offer B Financing Type

Adjusted Net (est.) —

Offer C

Offer C Price ($)

Offer C Concessions ($)

Offer C Inspection Limit ($)

Offer C Financing Type

Adjusted Net (est.) —

Highest Adjusted Net

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Cash offers reduce contingency risk but may price lower. FHA/VA loans have additional appraisal requirements. These factors are not captured in this estimate — review terms with your agent.

Adjusted Net = Price − Concessions − Inspection Limit (potential repair obligation) + Financing Adjustment (Cash: −$2,000 as ease-of-close proxy)
Commission and closing costs are not included here — apply them uniformly across all offers.

Requires JavaScript. Manual comparison: for each offer, subtract concessions and expected inspection repairs from price. Compare resulting figures.

E — Permit Jurisdiction Router

Identify which permit office governs your property. Jurisdiction is determined by city limits, not mailing address. Select your city or area below to get the relevant permit contact.

Your City / Area

Permit Office

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Verify your jurisdiction directly — city limits and permit requirements change. If you're unsure whether you're inside city limits, contact your county assessor's office and ask for the municipality on your parcel.

Full Permit Guide with jurisdiction table →

JavaScript is required for the permit router. Refer to the Northland Home Remodeling Permit Guide for a complete jurisdiction table.

F — Northland Seasonal Home Maintenance Calendar

KC Northland climate — hot humid summers, freeze-thaw winters, active spring storm season — creates predictable annual maintenance needs. This calendar covers the tasks that most affect home condition, resale value, and insurance claims.

January – February

Test smoke & CO detectors; replace batteries
Check attic insulation for ice dam conditions
Service furnace/HVAC filter (every 90 days)
Inspect pipes in unheated spaces for freeze risk
Check sump pump operation before spring thaw

March – April

Inspect roof and gutters after winter (before storm season)
Check caulk around windows, doors, and exterior penetrations
Test sump pump and clear discharge line
Schedule HVAC tune-up before cooling season
Document any winter damage with photos (for insurance baseline)

May – June ⚠ Storm Season

Photograph roof/exterior — storm season insurance baseline
Trim trees away from roofline (20+ ft)
Check window well covers and drainage
Verify homeowner insurance coverage limits (replacement cost)
Know your storm-damage sequence: document → call insurer → get contractor

July – August

Check AC drainage line for clogs (prevents water damage)
Inspect deck/exterior wood for sun damage and seal if needed
Check attic ventilation (heat & humidity risk)
Replace HVAC filter (every 90 days)

September – October

Inspect and clean gutters after leaf fall
Service furnace before heating season
Seal driveway cracks before freeze-thaw cycle
Shut off and drain exterior hose bibs
Check weatherstripping on all exterior doors

November – December

Schedule chimney inspection if wood-burning
Replace HVAC filter
Check insulation in crawl space / rim joist
Drain irrigation system before first hard freeze
Review insurance policy for upcoming renewal

This calendar covers common maintenance needs in the KC Northland climate zone. Property-specific requirements vary by age, construction type, and lot conditions. Consult licensed contractors for any structural, electrical, plumbing, or HVAC work.

Property-Specific Review

These tools give general estimates. If you want a property-specific seller net or a CMA for your address, Mike can provide that directly — no automated response.

Request a Property CMA Ask Mike a Question