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Nurse Homeownership Made Easy

Video coming soon — Carl demos the calculator live.

Hometown Heroes Cash to Close Calculator

See Your Cash to Close in Under 30 Seconds.

Most NE Florida nurses think they need years of savings before they can buy. Move the slider or type in the sales price and see the real number — with your Hometown Heroes assistance already applied.

Enter Purchase Price or Use Slider

Home price

Down payment

DOWN PAYMENT

$13,125

ESTIMATED CLOSING COSTS

$8,625

Florida avg (2.3%) — paid at closing. Does not include prepaid property tax escrows or homeowners insurance escrow deposits.

HOMETOWN HEROES ASSISTANCE*

$18,094

Requires a 640+ credit score (660 for manual underwriting)

• HUD-approved homebuyer education (required for down payment assistance program eligibility)

* First-time buyer means not owning a home in the past 3 years

* No monthly payment — repaid when the home is sold, refinanced, or no longer your primary residence.

TAX EXEMPTION SAVINGS

$2,090

Exempts you from Florida documentary stamp and intangible taxes on both your primary and Hometown Heroes mortgages.

PAID BEFORE CLOSING (upfront)

TOTAL: $2,290

Earnest Money Deposit (min)$1,000

Appraisal$695

Home Inspection$595

Earnest money is credited back to you at closing. Appraisal and inspection may be fully reimbursed by the seller — see Pro Tip below.

CASH NEEDED AT CLOSING

$566

After Hometown Heroes assistance, tax exemption, and your $1,000 earnest money credit applied.

Pro tip: your real cash needed to close doesn't always come out of your own pocket — and neither do your upfront costs. As part of your Winning Offer™ strategy, Carl can write your purchase agreement to have the seller reimburse your appraisal and inspection fees at closing, and cover some or all of your remaining closing costs. Ask Carl how on your complimentary Hospital to Home Roadmap Call™.

Now You Know Your Number. Here's How to Get Your Home.

Take the Nurse Homebuyer Readiness Scorecard™

3 minutes. It shows you exactly where you stand today — not just the average nurse.

Get your personalized Hospital to Home Roadmap™

On your complimentary Hospital to Home Roadmap Call™, Carl builds your specific plan — down payment strategy, closing costs, timeline, all of it.

Follow your Roadmap to keys in hand

Carl handles the logistics with your Nurse Income Specialist and lender partner — as few as 90 days from today.

Get My Readiness Score →

Free · 20 quick questions · Less than 3 minutes

This is a hypothetical illustration for educational purposes only, using Florida average closing costs (2.3%) paid at closing, plus a $1,000 earnest money deposit, $695 appraisal, and $595 home inspection paid upfront prior to closing (which appear on the closing statement and may be reimbursable via seller credit when written into the purchase agreement), minus Hometown Heroes down payment assistance (5% of loan amount, $10,000–$35,000, subject to eligibility and fund availability) and its documentary stamp / intangible tax exemption (Fla. Stat. § 420.513(1)). Closing cost estimates do not include prepaid property tax escrows, homeowners insurance escrow deposits, or other prepaid items required by the lender at closing, which vary by closing date and insurance carrier. This does not represent a guarantee of eligibility, program funding, or final loan costs. Seller credits are subject to lender approval and purchase agreement terms. Consult your Nurse Income Specialist for figures specific to your situation. Not financial, tax, or legal advice.

Get My Readiness Score →