Keep or Sell? Home Decision Toolkit

Facing a big change? See your real numbers before you decide whether to keep your home or sell it.

A divorce, a new job, a growing or shrinking household, a loved one's estate: big changes put your home in question. This toolkit turns the decision into numbers you can see, in about 15 minutes. It covers what you'd walk away with if you sold, what the next home would cost each month, and whether you could buy before you sell. Then take that one-page snapshot to your lender, CPA or attorney so the conversation starts from facts.

What's inside: six connected calculators

• Your Snapshot: every answer on one page

• Net Proceeds: each selling cost, line by line, down to the cash you keep

• New Payment: principal, interest, taxes, insurance, HOA and PMI

• Buy Before Sell: whether savings and equity can fund the next purchase, and what carrying two homes costs

• Compare Paths: sell first and rent, buy first with a bridge loan, or a contingent offer, side by side

• Tax Check: a rough estimate of your gain and the home sale exclusion, to bring to your CPA

Built for Oregon: Washington County transfer tax, typical Oregon closing-cost splits, and commission rates you set yourself. Works in Excel and Google Sheets, with a video walkthrough.

What you get: an instant digital download. Nothing is mailed.

Refunds: If it doesn't help you see your options more clearly, email me within 14 days for a full refund.

Educational estimates only. Not financial, tax, legal or lending advice, a loan approval or an appraisal.