Clear Realty
A modern hillside home above Laguna Beach at dusk, lit from inside through a floor-to-ceiling corner window

Know whereyou stand.

Selling in Orange County? See what you'd walk away with before you list. Buying? See the real monthly cost before you offer.

See what you walk away with.

Set your price and what you still owe. This is the same math we bring to every first meeting with a seller.

Drag the scale or type a price
You walk away with about
Estimated cash to you at closing, before prorations. For illustration purposes only.
$
2%
2.5%
To you$756,86552.2%
Loan payoff$620,00042.8%
Commissions$72,5005.0%
Closing costs$7,8850.5%
  • Owner's title policyPaid by the seller in Orange County$3,790
  • Escrow feeSeller's half$1,575
  • County transfer tax$1.10 per $1,000 of price$1,595
  • Disclosures, recording and HOA documents$925

For illustration purposes only. Estimate based on Orange County customs. Sellers usually pay the owner's title policy and county transfer tax and split escrow with the buyer. Fees vary by company. This is not a settlement statement. Your full sheet adds property tax, Mello-Roos and HOA prorations, buyer credits and your lender's exact payoff.

Estimate vs. actual, in writing.At closing, we put your final statement next to this estimate and explain every difference.
We pull the comps for your address and send your net at three prices. Get this for my home
A bright kitchen with limestone counters and white oak cabinets in late-morning light

The price isn't the payment.

In much of Irvine, Mello-Roos and HOA dues add hundreds a month that listing sites leave out. We show you the full monthly cost of every home before you tour it.

Listing sites show$8,128
What you'd actually pay$10,497/ month
Loan payment$8,128
Property tax$1,444
Mello-Roos$400
HOA dues$325
Insurance$200

Example: a $1,650,000 home in Irvine with 20% down at 6.25% on a 30-year fixed, 1.05% property tax. Not a quote. Mello-Roos and HOA vary widely by community.

Get costs for homes I'm watching

How a sale runs.

Six steps. You see the numbers at each one.

  1. A couple at their kitchen table reviewing a printed net sheet
    01

    Your numbers

    We review the comps together and write down your net at three prices.

  2. A stager placing a vase in a freshly painted living room
    02

    Price and prepare

    We set the list price and recommend only the repairs and staging that pay for themselves.

  3. A photographer shooting a home's living room at dusk
    03

    Launch

    Professional photography, the MLS and an opening weekend with showings booked ahead of time.

  4. Three printed offer summaries side by side on a desk
    04

    Compare offers

    Every offer on one page, ranked by your net after credits, contingencies and dates.

  5. A home inspector checking a water heater in a garage
    05

    Escrow

    Inspections, appraisal and the buyer's loan, tracked against dates you can see.

  6. A backyard pool behind a modern home at golden hour
    06

    Close and compare

    Your final statement next to your first estimate, with every difference explained.

Most people see the numbers at the signing table. We show them first.

A home sale has a few dozen line items. Most sellers see them for the first time at closing, when it's too late to change anything. I spent 20 years in mortgage lending and funded more than 4,000 home loans. I started Clear Realty to put those numbers in front of you while you can still act on them.

Nathan KowarskyBroker · CA DRE #02179112
Irvine at golden hour, looking toward the Saddleback mountains

Based in Irvine. Across Orange County.

  • Irvine
  • Newport Beach
  • Corona del Mar
  • Laguna Beach
  • Costa Mesa
  • Tustin
  • Huntington Beach
  • Lake Forest
  • Mission Viejo
  • Laguna Niguel
  • Dana Point
  • Orange

Start with your numbers.

Tell us about your move. We'll send a first estimate and set up a short call to go over it.