# CTOAgent ONE

> Real estate closing cost calculator for professionals with buyer and seller estimates. (iPhone/iPad app by PalmAgent Software.)

- Source: https://appshunter.io/ios/app/ctoagent-one/id359606802 (this page in markdown: same URL + `.md`)
- Developer: [PalmAgent Software](https://appshunter.io/developer/303860817)
- Category: Finance, Business
- Price: Free with in-app purchases
- Rating: 4.90/5 from 10 App Store ratings · 14 written reviews indexed
- Age rating: 9+
- Requires: iOS 16.0 · 357 MB
- Languages: American English
- Released: 2010-03-04
- Data updated: 2026-08-18
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/ctoagent-one/id359606802/reviews.md

## What is CTOAgent ONE?

CTOAgent ONE is a city/county specific closing cost app that comes preloaded with calculations and closing costs for Real Estate professionals. Generate quick and professional seller net sheets and buyer estimates for your clients in just seconds. CTOAgent ONE is jam-packed with features that are sure to wow your clients! Visit ctoagent.com for more details.

ONE Premium subscription: Take the industry’s #1 Closing Cost app to the next level with ONE Premium! Here’s how it works:

Getting started is simple. Download the ONE app now and sign up for a free 30-day trial. We have monthly and annual plans available. 

ONE Premium costs $0.99 per month (monthly plan) OR $9.99 per year (annual plan).

Payment will be charged to your iTunes account at the confirmation of purchase. You can cancel any time during your 30-day free trial via the iTunes store settings and then you will not be charged. Further, plans automatically renew unless you turn off auto-renew in your iTunes account 24 hours before the end of your current subscription period. To learn more, check our terms of use http://palmagent.com/terms/.

With ONE Premium you have: 

• After the 30 day free trial, payment will be charged to your iTunes Account corresponding to the plan chosen.
• ONE Premium Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period.
• Account will be charged for renewal within 24-hours prior to the end of the current period, and identify the cost of the renewal.
• Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user's Account Settings after purchase.
• Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a subscription to that publication, where applicable. 

If you’re not ready for unlimited access, you can still run buyer and seller estimates with the ONE free plan. All details are in our terms of use and privacy policy
http://palmagent.com/privacy/
http://palmagent.com/terms/

Questions? Suggestions? You can speak to a real person at PalmAgent. Our trusty customer support team is just an email away --- simply write to support@palmagent.com

## Key features

- City/county specific closing cost calculations
- Professional seller net sheets
- Buyer estimates
- Free plan for basic estimates
- Premium subscription for unlimited access
- 30-day free trial for premium

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly | $0.99 | per month |
| Yearly | $9.99 | per year |


## Recent user reviews (10 of 14)

All indexed reviews: https://appshunter.io/ios/app/ctoagent-one/id359606802/reviews.md

### 4/5 — Excellent Tool

*2018-03-24*

Great app and remains the best financial tool on the market. One area of improvement would be to keep current data per user upon updates. It seems with every update I’m forced to renter my the costs specific to my area. Otherwise, keep improving.

### 5/5 — Wow...

*2016-03-01*

As a real estate professional this app has been an amazing help to me, and I couldn't recommend it more.

### 5/5 — Great App!

*2016-02-28*

Great App & Easy to use!

### 5/5 — Great App!!!

*2015-07-03*

Even better title company!!! Capitol Abstract in Edmond: GREAT PEOPLE!!!

### 5/5 — Very easy to use

*2014-09-11*

Quick easy and on the go! Everything needed in real estate.

### 4/5 — Good app.

*2014-03-26*

I would have given 5 stars but the price is steep. Overall, a very good app.

### 5/5 — Capitol agn

*2014-03-12*

Great tool!

### 5/5 — Realtor,CRS

*2014-03-11*

I love how easy it is.. Not to over the top

### 5/5 — Extremely Valuable Tool

*2014-02-20*

Positively the best app of its kind.

### 5/5 — Super App

*2013-10-19*

if you are a real estate professional you nard to use this app. works on laptop, desktop, iPad and iPhone without fail. easy to use, customizable and tech support delivers. I have looked and tried many apps and none compare. one of the best tools in my RE toolbox. Thanks Capitol Agent and keep up the great work and updates.

## Frequently asked questions about CTOAgent ONE

### What is CTOAgent ONE?

CTOAgent ONE is a city/county specific closing cost app designed for real estate professionals. It allows users to generate quick and professional seller net sheets and buyer estimates for their clients.

### How much does CTOAgent ONE cost?

CTOAgent ONE offers a free plan for basic buyer and seller estimates. A premium subscription is available for $0.99 per month or $9.99 per year, with a 30-day free trial for both plans.

### Can I cancel my ONE Premium subscription?

Yes, you can cancel your ONE Premium subscription at any time. You can cancel during the 30-day free trial via iTunes store settings to avoid being charged. Auto-renewal can also be turned off in your iTunes account settings at least 24 hours before the end of your current subscription period.

### What devices does CTOAgent ONE support?

CTOAgent ONE is available on iPhone and iPad devices.

### How often is CTOAgent ONE updated?

The latest version of CTOAgent ONE is 1.8.4.1, and it was last updated on March 6, 2026. This indicates a history of regular updates.

### What is the age rating for CTOAgent ONE?

CTOAgent ONE has an age rating of 9+, making it suitable for a wide range of users.

### How secure is CTOAgent ONE?

While specific security features are not detailed, the app handles financial calculations for real estate transactions. Users should always review the privacy policy for details on data handling and security practices.

### What kind of support is available for CTOAgent ONE?

PalmAgent offers customer support via email at support@palmagent.com. Users can reach out with questions or suggestions.

## Version history (last 5 releases)

### 1.8.5 — 2026-04-20

• HomeLink Intelligence — AI-powered estimated monthly holding costs for any property, instantly calculated from public records and PalmAgent’s proprietary models.
• Buy Now vs. Buy Later — Show fence-sitting buyers the real cost of waiting, with national, state, and local appreciation data.
• Price vs. Rate Calculator — Compare the real impact of price and interest rate on a buyer’s monthly payment.
• All New Content — Fresh market data, infographics, and educational tools to help agents educate and close.
• Bug fixes and performance improvements.

### 1.8.4.1 — 2026-03-06

This update introduces powerful new tools and important enhancements:

• FinCEN alerts, built in. Stay ahead with automatic alerts designed to support compliance workflows.
• HOA support in the Buydown calculator. Create more accurate scenarios with HOA costs included.
• Improved saved estimates. Faster access, better organization, and a smoother experience.
• Performance improvements and refinements throughout the app.

### 1.8.4 — 2026-02-27

This update introduces powerful new tools and important enhancements:

• FinCEN alerts, built in. Stay ahead with automatic alerts designed to support compliance workflows.
• HOA support in the Buydown calculator. Create more accurate scenarios with HOA costs included.
• Improved saved estimates. Faster access, better organization, and a smoother experience.
• Performance improvements and refinements throughout the app.

### 1.8.2.1 — 2026-01-19

Big news!
We’ve added 4 powerful new calculators designed for today’s market:

• Sell or Rent – Compare the benefits of listing vs. leasing
• Holding Cost – Show the true cost of waiting to sell
• TruValue Analysis – Compare pricing strategies side-by-side and visualize net proceeds
• Buydown Calculator – Revamped and simplified to clearly communicate the numbers to your clients

These tools are built to spark better pricing conversations—and they’re available in your app now.

### 1.8.2 — 2026-01-14

Big news!
We’ve added 4 powerful new calculators designed for today’s market:

• Sell or Rent – Compare the benefits of listing vs. leasing
• Holding Cost – Show the true cost of waiting to sell
• TruValue Analysis – Compare pricing strategies side-by-side and visualize net proceeds
• Buydown Calculator – Revamped and simplified to clearly communicate the numbers to your clients

These tools are built to spark better pricing conversations—and they’re available in your app now.

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## More apps by PalmAgent Software

- [PreserveAgent ONE](https://appshunter.io/ios/app/preserveagent-one/id311175425)
- [GCTAAgent ONE](https://appshunter.io/ios/app/gctaagent-one/id311178834)
- [LandmarkTitleFLApp ONE](https://appshunter.io/ios/app/landmarktitleflapp-one/id313182104)
- [FlamingoBayAgent ONE](https://appshunter.io/ios/app/flamingobayagent-one/id313185657)
- [KeyTitleTexasAgent ONE](https://appshunter.io/ios/app/keytitletexasagent-one/id313186478)
- [StarTexAgent ONE](https://appshunter.io/ios/app/startexagent-one/id313187503)

All apps by PalmAgent Software: https://appshunter.io/developer/303860817

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-18.*