Kari Witt • Netlify Ready Lead Tool

Backyards to Barns Finance Suite

Closing cost calculator, seller net sheet, client teaching view, and lead capture in one place.
This version is set up so you can host it on Netlify and later connect the lead form to Zapier or another webhook. You only need to replace one placeholder URL in the code.
Agent-facing mode is on. Full fee detail and teaching notes are visible.

Closing Cost Calculator

TN • Conventional
Educational estimate only. Tighten numbers once title fees, escrows, closing date, and case-specific program details are known.
Base Loan Amount
$0
Before financed upfront fees.
Final Loan Amount
$0
Includes financed upfront fees when applicable.
Total Closing Costs
$0
Before credits are applied.
Cash To Close
$0
Down payment plus buyer-side costs minus credits.
Estimated Monthly Payment (PITI)
$0
Principal, interest, taxes, insurance, and MI when escrowed.
APR Payment View
$0
Payment view using APR for teaching cost of money.
State Taxes & Recording Fees
$0
State-specific taxes and government filing charges included here.
Lead Capture Status
Open
Ready for real form submission once webhook is added.
Program Alert
Review
Verify program-specific details before final numbers are relied on.
What changes fastestCredits, escrows, MI, and closing date prepaids tend to move the most.
What buyers missEscrow setup and insurance timing are usually missed more than lender fees.
Negotiation zoneCredits and some title allocations can move by contract.
Teaching angleShow loan amount, cash to close, and monthly payment separately.

Monthly Payment Breakdown

Escrowed View
Principal + Interest$0
Taxes$0
Insurance$0
MI / Annual Fee$0
Total Escrowed Payment$0
P&I Only View$0
Current Rent Comparison$0
Difference vs Rent$0

What “State Taxes & Recording Fees” means

These are taxes and filing charges imposed by the state or county when ownership and the mortgage are recorded. They are separate from lender fees and title company fees.

State-specific note

This explanation updates automatically based on whether the file is in TN or Nebraska.

Detailed Closing Cost Breakdown

Transparent Estimate
Category Fee Item Basis Driver Estimated Cost Cash? Teaching Note

How to teach this correctly

  • Start with cash to close. That answers the biggest fear first.
  • Then separate monthly payment from closing costs. People confuse these constantly.
  • Point out what is program-driven versus negotiable or vendor-driven.
  • On NE files, remind them seller documentary stamp tax is not shown as a buyer-side charge here.

Lead and consultation notes

Lead: ________________
Email: ________________
Phone: ________________

No consultation notes entered.

Buyer / Borrower Signature
Estimate reviewed
Seller Signature
Estimate reviewed
Kari Witt
Advisor / Presenter
Prepared for teaching and consultation use.