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Frequently Asked Questions (Empty Nest Downsizing Equity & Monthly Freedom Calculator)
How much capital gains tax is excluded when selling a primary home?
In the US, Section 121 excludes up to $250,000 of capital gains for single filers and $500,000 for married couples filing jointly if you lived in the home 2 of the last 5 years.
What are the hidden savings of downsizing after 45?
Beyond mortgage elimination, homeowners typically save $600–$1,200/month across property taxes, HVAC heating/cooling, roof/exterior maintenance reserves, and insurance.
Should I rent for 6 months in a new town before buying?
Yes—renting a furnished cottage or apartment for 3–6 months prevents rushed buying decisions and lets you test walkability and community feel.
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