Todd Hanley Mortgage Team
Florida Next-Home Planner

What Will Your Next Florida Home Really Cost?

Drop in your TRIM notice, pick the price and city of your next home, and see Conventional, FHA and VA side by side — with your Save Our Homes portability already built into the property tax.

TRIM notice reader • Save Our Homes portability • Conventional | FHA | VA

For Florida homeowners moving within Broward, Miami-Dade, Palm Beach or St. Lucie — and the agents helping them.

Most payment calculators guess your property tax from the purchase price. In Florida that can be off by thousands a year, because the Save Our Homes benefit on the home you're selling can move with you. This one reads your actual notice.

1 · The Florida home you're selling (optional)
Current home market value"Market" or "just" value on your notice
$
Current home assessed valueThe capped Save Our Homes value
$
Save Our Homes benefitMarket minus assessed — what can move with you
$
2 · Your next home
Purchase priceThe home you're buying
$
CountyWhere the new home is
City or tax districtSets the property tax rate
Loan and cost details
Down paymentMinimums: Conv 5%, FHA 3.5%, VA 0%
Down payment %Used when "Same % for all"
%
Credit scoreAffects mortgage insurance and eligibility
Homeowners insurance / yrPlaceholder — replace with a real quote
$
Flood insurance / yrIf required or wanted
$
HOA / condo dues / mo
$
VA benefit useAffects the funding fee
VA funding fee exempt?e.g. receiving VA disability compensation

Estimates only • Not an offer or commitment to lend • Assumptions shown below

Results = Estimates (Not an Offer) Payments shown are estimates for educational purposes only and are not a loan approval, commitment, or rate lock. Monthly totals include principal & interest, estimated property tax, the insurance you enter, mortgage insurance where it applies, and HOA dues. Rates are Sample Market Pricing and assume a 740+ credit score; yours may differ. Property tax uses your county's published millage and the portability rules in Fla. Stat. §193.155(8); your property appraiser sets the actual value. Closing costs and cash to close are estimates.

Property tax on your next home

Estimated first full year, with homestead exemptions.

With your portability
$0
per year
Without it
$0
per year
Benefit carried over
$0
off the assessed value

Loading Sample Market Pricing…

How it works

Three numbers most calculators get wrong

1

Your real tax benefit

Your TRIM notice shows the gap between market value and your capped Save Our Homes value. Up to $500,000 of that gap can move to your next Florida homestead, which can cut the new home's tax bill dramatically.

2

The new city's tax rate

Millage varies by city and district — from under 17 mills to over 24 in these counties. The tool uses each county's published rates for the exact area you pick.

3

Program-specific costs

Conventional PMI, FHA's upfront and annual premiums, and the VA funding fee all change the loan amount, the payment and the cash you bring to closing. Each column applies its own rules.

Good to know

Questions people ask

Is my TRIM notice uploaded anywhere?
No. The PDF is read by your own browser and never leaves your device. We keep only the numbers you see on screen, and only for as long as the page is open. Owner names and addresses are never read.
What if my notice isn't from one of these counties?
Right now the reader handles 2026 notices from Broward, Miami-Dade, Palm Beach and St. Lucie. You can still type your market and assessed values in by hand — they're on the first page of any Florida TRIM notice.
How accurate is the property tax?
It uses the county's published total millage for the city or district you choose (2026 proposed rates for Broward, Miami-Dade and Palm Beach; St. Lucie's most recent adopted rates) and applies the homestead exemptions. Palm Beach totals are built from each taxing authority's rate, so a few special districts may be missing. Non-ad valorem assessments like fire, solid waste and CDD fees are not included.
Why is the FHA or conventional column sometimes unavailable?
Each program has limits. Conventional loans above the 2026 conforming limit become jumbo loans, FHA loans are capped by county, and conventional loans generally need a 620+ credit score. VA assumes full entitlement, which has no county limit.
How long do I have to use my portability?
Generally three years from January 1 of the year you leave your current homestead. Our Florida portability calculator shows your exact deadline and handles split ownership.

Want this built around your real numbers?

I'll price all three programs for your actual credit and property, confirm your portability with the appraiser's figures, and show you exactly what the move costs — before you make an offer.

Sources: Fla. Stat. §193.155(8) • County millage: Broward, Miami-Dade, Palm Beach, St. Lucie • HUD ML 2023-05 (FHA MIP) • VA funding fee • FHFA 2026 conforming limit. Todd Hanley, RICP® • NMLS #1013665 • 5550 Glades Rd, Suite 500, Boca Raton, FL 33431 • Licensed in FL, TX, NJ • Equal Housing Opportunity • Not a commitment to lend.

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