Buyer worksheet

Estimate total monthly cost without turning unknown fees into zero

Start with sourced recurring community charges, add your property-specific assumptions, and keep unresolved costs visible before you tour, compare, or sign.

How should I use this worksheet?

Use the worksheet to combine sourced recurring community charges with your own tax, insurance, utility, maintenance, and optional-cost assumptions. It is not a complete affordability estimate or financial advice. If a required charge is missing, keep the total marked incomplete until a current property-specific source confirms it.

Verification methodology

Local worksheet

Estimate monthly cost without hiding the unknowns

Choose a community, keep the sourced charges visible, then add your own property-specific assumptions. Nothing is submitted or saved.

Choose community

Sourced recurring community charges

Profile price signal: Builder states new homes start in the $300,000s; a third-party profile lists a mid $300,000s to mid $400,000s snapshot averaging about $516,243

HOA / POA field: 2026 fees vary by home collection; see recurringCharges for the builder-published amounts

Beach and Island Collections (single-family) 2026 fee$329.11 per month, shown as a monthly figure but collected quarterly, covering common-area maintenance, amenity access, insurance, gated entry, and reservesSingle-family homes in the Beach and Island Collections
$329 / mo equivalent
Caribbean Collection (villas) 2026 fee$374.56 per month, shown as a monthly figure but collected quarterly; includes additional exterior-maintenance reservesVillas in the Caribbean Collection
$375 / mo equivalent
Conch Collection (cottages) 2026 fee$348.65 per month, shown as a monthly figure but collected quarterly; includes additional exterior-maintenance reservesCottages in the Conch Collection
$349 / mo equivalent

Known monthly community subtotal$1,052

Open profile sources

Your assumptions

Property taxesMonthly estimate for the specific home or parcel.InsuranceHome, condo, flood, wind, or other coverage estimate.Utilities and internetElectric, water, sewer, trash, internet, and similar costs.Owner maintenanceRepairs or upkeep not covered by the association.Optional membershipsOptional golf, club, activity, storage, or marina costs.Other monthly costAny recurring cost you want to test separately.

Stress-test increaseApplies to the worksheet total as a simple scenario, not a prediction.

Worksheet result

Known plus entered monthly estimate

Known community subtotal: $1,052
Your entered assumptions: $0
Baseline worksheet total: $1,052
10% stress-test scenario: $1,158

This is a worksheet, not a complete affordability estimate. Missing required costs should be resolved before relying on the total.

Still verify before deciding

HOA / POA amount may be incomplete or not property-specific.
CDD, district, tax-bill, or property-specific charges still need separate confirmation.
Mandatory or optional club and golf costs are not confirmed in the current profile.
Property taxes, insurance, utilities, maintenance, financing, and one-time purchase costs are buyer-entered assumptions.

Printable version

Take this worksheet on the tour

The PDF is free and requires nothing from you. It prints on one page and keeps unknown costs visible instead of letting them read as $0.

Download the PDF