Run the numbers before the numbers run you.
Use your own assumptions to pressure-test cash to close, monthly budget, seller credits, renting versus buying, VA remaining entitlement, and refinance break-even. No advertised rate is prefilled.
Cash-to-Close Planner
Combine down payment, lender and third-party costs, prepaid items, deposits and credits into one planning estimate.
Open tool →02Budget planningBudget-Based Home Price Planner
Start with the monthly housing budget you choose, then estimate the loan amount and purchase price supported by your own rate and expense assumptions.
Open tool →03Offer planningSeller-Concession Planner
Enter the concession percentage that applies to your scenario and see how the dollar cap interacts with eligible transaction costs.
Open tool →04Decision planningRent-vs-Buy Cash-Flow Snapshot
Compare entered rent with an ownership cash-flow scenario and see how much scheduled mortgage principal would be repaid over the selected horizon.
Open tool →05VA planningVA Remaining-Entitlement Worksheet
Use an available-entitlement amount from the COE or lender to estimate a potential down-payment shortfall under a 25% guaranty planning framework.
Open tool →06Refinance planningRefinance Break-Even Planner
Compare entered refinance costs with a positive monthly payment reduction to estimate a simple payment-savings recovery period.
Open tool →