Buyers need to see if your house fits in their budgets. Most people budget monthly, so providing a breakdown of the monthly and annual cost of owning your house provides invaluable guidance. Use this “Cost of Ownership” sheet as a supplement to the listing sheet and provide it at the beginning of negotiations.

Use the actual cost of utilities and break your current property tax bill into monthly increments. (Note this on the sheet, including the annual property tax as well.)

The sheet should include:

  • Mortgage payments (use your asking price, minus a 10% down payment)
  • Homeowners’ insurance
  • Condo/HOA fees
  • Electricity
  • Gas/heating
  • Cable/internet
  • Water
  • Property taxes
  • Any additional costs unique to your house