What will this home really cost?

Estimate your monthly payment and the cash you'll need to close. The math runs in your browser; nothing you enter is saved or sent to us.

Rates as of September 17, 2026. See sources

Nashville Buys only connects buyers, sellers, and local pros. We are not a broker, we don't hold funds, we take no fee tied to any transaction, and we don't give legal, pricing, or financial advice. These are estimates only, not a loan offer or financial advice. We don't use live rate feeds. Talk with a Tennessee real estate attorney about your purchase.

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A lender's Loan Estimate shows your actual rate and fees, and a closing attorney or title company can tell you what closing will cost.

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Closing Attorneys & Title

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Closing Attorney or Title Company

Carney Title

Carney Title is a team of title professionals with over 100 years of collective title experience.

Serves: Davidson (and surrounding) counties
Pricing: Contracting $800; Settlement $625; Search/Exam $500; +Published title ins. rates

License and insurance documents reviewed by Nashville Buys on September 16, 2026
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Buyer checklist Closing costs explained

Sources and assumptions

Checked September 17, 2026. Property tax uses the price as the appraised value. Each county and city rate shows its own source and tax year next to the rate; rates marked “estimate” weren't yet in an official source, so confirm them on your trustee's bill.

Residential property assessed at 25% of appraised value. Tennessee Comptroller, How to Figure Your Tax Bill (T.C.A. § 67-5-801) (as of 2026-09-17)
Transfer tax $0.37 per $100; mortgage tax $0.115 per $100 of principal over $2,000. Tennessee Department of Revenue, Recordation Tax rates and June 2026 tax manual (T.C.A. § 67-4-409) (as of 2026-06)
Who pays the transfer and mortgage taxes. Tennessee Department of Revenue, Recordation Tax manual (June 2026) (as of 2026-06)
PMI assumption: 0.60% of the loan a year below 20% down (midpoint of $30–$70 a month per $100,000). Freddie Mac, Breaking Down PMI (as of 2026-09-17)
PMI cancellation at 80% and automatic end at 78% of original value. CFPB, When can I remove PMI? (as of 2026-08-28)
FHA upfront premium 1.75%; annual premium 0.15%–0.75% by term, loan size, and down payment. HUD Mortgagee Letter 2023-05 (as of 2023-03-20)
VA funding fee 2.15%/1.5%/1.25% first use, 3.3%/1.5%/1.25% later use; exemptions; no monthly mortgage insurance. VA.gov, VA funding fee and loan closing costs (as of 2026-09-17)
Closing costs typically 2%–5% of the purchase price, not counting the down payment. CFPB, Determine your down payment (as of 2025-10-01)
Example insurance: $1,649 a year, the average Tennessee HO-3 premium (2023 data). NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condo/Coop Insurance Report (as of 2026-07)