Cash vs Mortgage

Should you pay cash for your Sun City Center home.

Move the sliders. See what happens to your liquidity, your monthly payment, and the real cost of pulling that money back out ten years from now. This tool is not a loan offer or a quote. It is a way to think out loud with real numbers.

Prefer the plain-English version first? Read the cash-or-mortgage guide.

Inputs

Purchase price

The price of the home you are considering.

Cash available

Total cash you could put toward this purchase.

Down payment

At 100 percent you are paying cash.

Estimated interest rate

An estimate for illustration. Ask for a current quote on your situation.

Loan term

Your age

Used to show your age if you needed to refinance in ten years.

How long do you plan to own this home

years

Used to estimate total interest over your time in the home.

Results

Enter a down payment and rate to see an estimate

Want this in writing?

We will email the full breakdown with your numbers, the assumptions behind them, and what changes them.

First name

Cell phone

So Travis or Dewey can walk you through the numbers. No robocalls, no spam.

How are you planning to pay?

Optional. By checking this box, I provide express written consent for Sun City Center Florida, Vision Mortgage LLC, NMLS 1286953, and Top Homes Group at Keller Williams to contact me by phone, text message, and email at the number and address I provided, including through automated and AI assisted calls and prerecorded messages, about my inquiry and related real estate and mortgage services. Consent is not a condition of any purchase. Message and data rates may apply. Reply STOP to opt out at any time. See our Privacy Policy.Optional. I agree that Travis Penny (NMLS 1649161) | Vision Mortgage and Dewey Kopenga | Top Homes Group at Keller Williams may send me text messages about my home search and financing at the phone number I entered above, including marketing texts and texts sent using automated technology. Agreeing is not a condition of getting a loan or of purchasing any property, goods, or services. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or tell us by phone or email. I confirm I am 18 or older and the account holder or regular user of this number.

Travis Penny NMLS 1649161 | Vision Mortgage NMLS 1286953 | Equal Housing Opportunity

Includes your inputs. One email. No spam. Unsubscribe anytime.

Prefer to talk it through? Call Rex, the 24 hour automated concierge, at (813) 576.3131. Rex is an AI. Calls may be recorded.

For illustration only. Not a loan offer or rate quote. Your actual rate and payment depend on your full application. Not tax or investment advice. Actual payments, costs, rates, and eligibility depend on credit, income, assets, the property, program guidelines, and underwriting. Florida documentary stamp and intangible tax figures are estimates. Third party cost estimates are illustrative. Consult your own tax advisor. Travis Penny, NMLS 1649161. Vision Mortgage LLC, NMLS 1286953. Equal Housing Opportunity.