The true-cost calculator

How to use this

Two figures are filled in and marked verified because they are published: the Community Club assessment of $137 a month and the $6,000 amenity reserve fee charged at closing. Four working placeholders are also filled in for the house price, other closing costs and the two escalation assumptions. The printed record labels those as Unbrochure placeholders until you change them. Everything else is yours to supply, because it depends on your house, your insurer and your health. Estimates are fine. The point is the shape of the answer, not the last dollar.

Nothing is stored. Close this tab and the figures are gone, so print the page when you have it where you want it.

Fairfield Glade, the fixed part

Community Club assessment, per month Published figure for 2026, homes with sewer and trash service. Change it if the Club quotes you something different.

Amenity reserve fee at closing, one time Published figure for 2026. Paid once at closing. Local reporting says buyer and seller can negotiate who pays; the contract should say.

Fairfield Glade, the part only you know

Purchase price of the house $350,000 is a working placeholder, used only to work out your other closing costs below. Replace it with the price of the house you are considering.

Other closing costs, as a percentage of price Title, legal, lender and prepaid items, excluding the amenity reserve fee. Your lender or closing agent will give you a real figure. Two percent is a placeholder, not a quotation.

Property tax, per year Ask the Cumberland County trustee's office for the current bill on the specific address; the assessor can tell you the assessed value, but the bill lives with the trustee. Do not guess from a rate.

Homeowner insurance, per year Get a real quote on a real address before you rely on this line.

Utilities, per year Electricity, water, sewer, trash, internet.

Golf and amenity memberships, per year The Club's published 2026 figures: golf annual pass $2,500 for one, $3,750 for a couple, cart not included. Pay as you go instead and eighteen holes with a cart is $47 at the preferred rate. Annual pool pass $295. A full boat slip is $950. Add up what you would actually take, or enter zero.

Healthcare travel, per year Crossville and the Glade have cardiology and orthopedic clinics; care beyond them means Cookeville or Knoxville. Count the trips you expect, then the fuel, the meals and any overnight stays.

Anything else, per year Lawn care, boat slip, storage, a second vehicle.

Not found whether the golf annual pass includes cart fees, since the per-round rates are quoted with a cart and the pass is published without one, and the Racquet Center’s annual pass rates, which the rate schedule does not list Searched the Club’s 2026 Amenity Rate Schedule and its published golf rates page, 2026-07-27. Not yet searched: direct enquiry to the Club, which has been sent.

Where you live now

Annual figures. Leave out your mortgage on both sides, unless you are comparing two mortgages, in which case put both in.

Property tax, per year

Homeowner insurance, per year

Utilities, per year

Association or HOA fees, per year

Healthcare travel, per year

Anything else, per year

Your assumptions

Assessment rises by, per year Your assumption, not a forecast. No one here knows what a future board will do. For scale: the Fairfield Glade assessment rose about 14% for 2026 after a large partner left, and Tellico Village raised its own by 3% in each of the last two years.

Everything else rises by, per year Three percent is a working placeholder. It is applied to both columns equally, so the same assumption is used on each side.

The answer

True-cost calculator: the finding

Fairfield Glade, Tennessee · printed · produced in the reader's browser at unbrochure.com; nothing entered was stored or transmitted

Your figures
	Fairfield Glade	Where you live now	Difference
Year one, including everything paid at closing
Steady-state year, once you are in
Five years, at your assumptions

Year by year at Fairfield Glade
Year	Assessment	Other costs	One-time	Total

Verified 24 JUL 2026 Applies to the two published Community Club figures above. Everything else is yours.

A dated record: the finding first, then where every figure came from, each line labelled verified, placeholder, yours, or calculated. It prints from your browser; nothing you typed leaves it.

What this does not include

Your mortgage, unless you entered it on both sides. The cost of selling where you are now. Moving costs. State income tax: Tennessee does not tax wages, Social Security, pensions, IRA or 401(k) distributions, but this page cannot infer how the state you are leaving taxes your particular income. If that difference is material, put the annual amount under "Anything else" on the appropriate side after checking it with a tax professional.

It also does not include the cost of being further from a specialist, or from a grandchild. Those are real and they are not arithmetic.

Something wrong with the numbers, or a figure you think should be built in? hello@unbrochure.com.

True-cost decision record

Fairfield Glade, Tennessee · printed · produced in the reader's browser at unbrochure.com; nothing entered was stored or transmitted

Where every figure came from
Line	Value	Provenance

The comparison excludes your mortgage unless you entered it on both sides, the cost of selling where you are now, and moving costs. Tennessee does not tax wages, Social Security, pensions, IRA or 401(k) distributions, but the comparison cannot infer how the state you are leaving taxes your income; if material, that figure must come from you. It also leaves out the cost of being further from a specialist, or from a grandchild. Those are real and they are not arithmetic.

Four labels, four burdens. A verified figure carries its source and the date it was last checked. A working placeholder is an Unbrochure convenience, not a fact. A figure provided by you is yours, and so is what follows from it. A calculated line states its arithmetic so it can be checked by hand.