Dunedin, Florida 34698 · 1 bedroom · 1 bathroom · ground-floor end unit
A transparent way to buy near the water: compare the cash price, model seller financing at a fixed 6% rate,
see the estimated monthly carrying cost, and understand exactly what the HOA includes before you ever make an offer.
Seller financing purchase price
$160,000
6% fixed · $80,000–$120,000 paid at closing · choose a 5–15 year repayment term
Cash purchase
$145,000
A separate cash-purchase option. Ask for current terms before relying on any price comparison.
The goal of this page is simple: make the numbers visible before you contact anyone.
Seller rate
6.00% fixed
Down payment range
$80k–$120k
Repayment term
5–15 years
HOA
$636 / month
Seller financing does not require a traditional mortgage lender.
Final eligibility and terms are still subject to mutually agreed transaction documents and applicable law. No balloon payment or prepayment penalty is assumed by the calculator below unless final documents say otherwise.
Seller-financing calculator
Change the amount paid at closing, the term, and optional extra principal. Everything below updates immediately.
$80k$100k$120k
5 years10 years15 years
Required monthly principal & interest
$888.16
6% fixed · 10 years · $80,000 financed
Amount financed
$80,000
50.0% of purchase price
Payment with extra principal
$888.16
Estimated payoff
—
10 years
Total interest
—
Interest saved by extra payments
$0.00
Months saved
0
View year-by-year amortization
What would the monthly housing cost look like?
Current known recurring property expenses are pre-filled. Taxes, insurance, electricity, and HOA amounts can change, so they remain editable estimates.
Included in the $636 HOA
These items are not added again as separate recurring monthly charges in the calculator.
WaterIncluded
SewerIncluded
TrashIncluded
InternetIncluded
CableIncluded
Exterior / grounds maintenanceIncluded
Association / common-area insuranceIncluded
Association / master flood insuranceIncluded
Heated community poolIncluded
Pool maintenanceIncluded
Separate utility charge added for the included services above: $0.
Principal & interest—
HOA—
Property taxes—
Homeowners insurance—
Electricity—
Water / sewer / trash / internet / cableIncluded in HOA · $0 additional
Estimated required monthly housing cost—
With selected extra principal—
No hidden recurring utility line is being added by this calculator.
The estimate shows every recurring item it includes. Closing costs, recording/title charges, future HOA changes, special assessments, and transaction-specific costs are separate and are not being represented as monthly utilities.
Waterfront living without paying for every service separately
Waterfront access, a heated pool, common-area upkeep, several utilities, and community amenities are bundled through the association rather than maintained one by one by the owner.
What could similar basics cost at a detached house?
Edit any estimate below. The purpose is to show how separately billed household services can add up—not to claim the HOA equals the same amount in savings.
House-cost figures are user-adjustable illustrations and will vary by property, usage, provider, flood risk, and maintenance needs. Association/master flood coverage does not necessarily replace any coverage a buyer may want or be required to obtain for personal property, interior improvements, deductibles, or other individual exposure.
6% seller financing vs. a bank rate
This section isolates the financing cost by using the same financed balance and the same term selected in the seller-financing calculator above. Change the bank rate from 7% to 8% and enter any lender-specific fees from an actual Loan Estimate.
7.0%7.5%8.0%
Use this only for lender-specific items you actually want to compare, such as points or origination/underwriting charges. Do not automatically count title, taxes, insurance, recording, or other costs that may exist in either transaction.
Seller financing
6.00% fixed
Amount financed—
Term—
Monthly P&I—
Total interest—
Traditional lender charges$0 assumed
Traditional bank example
7.50%
Amount financed—
Term—
Monthly P&I—
Total interest—
Entered lender charges$0
Lower monthly P&I at 6%
—
Interest difference
—
Interest + entered lender charges
—
Important full-deal comparison: this section intentionally compares financing cost only. The page also shows a separate $145,000 cash price. A conventionally financed purchase price has not been assumed here. Before deciding which structure is cheaper overall, compare the actual purchase price, amount paid at closing, lender costs, interest, and final closing documents together.
Property & lifestyle
A ground-floor end unit near the water with everyday conveniences close by.
This 1BR / 1BA condo is a clean, quiet ground-floor end unit overlooking a park-like setting. The home has mostly tile flooring, newer bedroom flooring, and assigned parking close to the entrance.
Enjoy the private community beach and waterfront parks for sunsets, kayaking, BBQs, and time by the water. The community also offers a heated pool, waterfront clubhouse, fitness center, tennis, and additional shared amenities.
The Pinellas Trail is directly across the street, with convenient access to downtown Dunedin, Publix, Walgreens, restaurants, and coffee shops—waterfront living without needing to cross bridges for everyday errands.
Important disclosures. This website and its calculators are for informational and illustrative purposes only. They are not a loan offer, credit approval, commitment to lend, legal advice, tax advice, appraisal, or guarantee of seller financing. Seller financing is subject to mutually agreed terms, qualification requirements, executed purchase and financing documents, closing requirements, and applicable law. Calculator estimates assume a 6.00% fixed annual interest rate and the user-selected repayment term. Final documents control if they differ from this illustration. Property taxes, insurance, HOA assessments, electricity, services, amenities, association insurance, and association flood-insurance coverage should be independently verified from current documents before closing. Future HOA changes, special assessments, insurance changes, repairs, closing costs, title/recording charges, taxes, prepaid items, and transaction-specific costs may apply. House-cost and bank-rate examples are illustrations and are not quotes or guarantees.
