Free calculator · Orlando homeowners · 2026
Two minutes, no pressure: see what selling would actually put in your pocket — and what your next payment looks like at today's rate. The honest math, not the Zillow fantasy.
Chad Gibson — your Orlando neighbor. Former professor: I teach the decision, I don't pitch it.
Fill in what you know. The math runs right here on your screen — nothing is sent anywhere until you choose to unlock your full breakdown.
Get the itemized costs and your estimated next payment on screen — plus The Sell-or-Wait Worksheet (PDF), the one-page version to print and work through together at the kitchen table.
| Estimated sale price | $0 |
| Less: what you still owe | $0 |
| Less: estimated selling costs (8%) | $0 |
| Less: prep / repairs | $0 |
| Your Real Net Number | $0 |
And if you'd rather wait?
Totally valid — sometimes it's the smarter call. Just make it on purpose. These are your numbers today. Where prices and rates go from here, nobody can promise. What a quick conversation can do is stress-test this against your actual home, your actual timeline, and the moves most people don't know exist — like buying before you sell, or having prep work paid back at closing.
No obligation. If waiting is the right move, I'll tell you that too.
Estimates only — not a formal valuation, offer, or financial, legal, or tax advice. Figures are based on the numbers you entered and general market assumptions; your actual results will differ. Chad Gibson, LLC · SL3471542 · Dreamtown Homes Team · LPT Realty · Licensed in Florida. Equal Housing Opportunity. · Book a call: calendly.com/chad-dthomesteam/30min
Four honest answers most homeowners have never actually seen in numbers.
Sale price minus your payoff, selling costs, and a little prep. It's usually a different number than "what's my home worth" — and it's the only one that matters for your next move.
How your net becomes your next down payment — and what that does to a payment at today's rate.
Whether "I can't give up my rate" is really protecting a rate — or keeping you in a house you've already outgrown.
Price, speed, or certainty — no method maximizes all three at once. The worksheet walks you through which corner matters most to you, so you optimize on purpose.
"Chad Gibson is an outstanding professional! He takes great care in his approach and tenaciously seeks to find the best possible options for clients. His business acumen and ability to relate to buyers and sellers alike make him an excellent choice for anyone's real estate needs."
"Chad Gibson is my realtor. Very professional and knowledgeable. He works well in stressful situations between sellers and buyers. Will get back to you as soon as he can. Keeps the client updated. He works with you to find solutions. Highly recommended. Overall A+"
So your inputs sit in context — as of mid-2026:
Figures move — your agent should confirm the current numbers the week you decide. Sources: Redfin Orlando housing market; Freddie Mac Primary Mortgage Market Survey; Orlando Regional Realtor Association market reports (all mid-2026).
Chad Gibson
I'll be honest with you, because I've lived this one myself: I left a two-and-a-half percent rate and took a 5.99% to buy the home I actually wanted. On paper that looks a little crazy. But that low rate was never going to live in the house for me — and I haven't second-guessed it once. You're not protecting a rate; you're protecting a payment on a house you may have already outgrown.
Run your number, print the worksheet, have the kitchen-table talk. If the answer is wait — wait on purpose.
Free · no obligation · no pressure
