Homebuyer path
See your purchase numbers before you fall in love with a listing
Walk into showings knowing estimated payment, cash-to-close, and how structure changes your monthly budget—without guessing from online calculators alone.
Why buyers get surprised at the offer table
- Payment quotes rarely include taxes, insurance, HOA, and realistic cash-to-close in one view.
- Small changes in down payment or concessions shift monthly payment more than most buyers expect.
- Agents and lenders speak in rate and price—but buyers need a single snapshot they can explain to a partner or co-borrower.
What the homebuyer analyzer gives you
- One premium read: estimated payment, LTV, and cash-to-close framing.
- Adjust down payment, seller concessions, and buydown options to compare structure—not just rate.
- Unlock a Playbook Report you can review with your loan officer before you commit to terms.
What this calculator shows you
Estimated principal & interest, taxes, insurance, and HOA in a monthly payment breakdown
Loan amount, LTV, and cash-to-close with down payment and concession inputs
Seller concession and temporary buydown impact on early-year payment (when modeled)
Strategy notes and risks framed for conversation—not approval
Example scenario
Example: first-time buyer in the mid-$600s
$650,000 list price, 20% down, 6.75% note rate, $15,000 seller concession modeled for closing-cost help.
- Est. monthly payment
- ~$3,400/mo
- Cash to close (illustrative)
- ~$145k
- Loan amount
- ~$520k
Illustrative only. Run your own numbers in the analyzer—results depend on your inputs and program.
Run this scenario type →Ready to model your deal?
Your path is preselected. Enter your numbers, then unlock a Playbook Report for your strategy conversation.
Start homebuyer analysisFrequently asked questions
Is this a loan estimate or pre-approval?
No. The Deal Analyzer produces educational estimates for planning conversations. Only your lender can issue official disclosures and approve you to borrow.
Can I model seller-paid closing costs?
Yes. On the buy-home path you can enter seller concessions to see how they may affect cash-to-close framing in your scenario.
Do I need perfect credit scores to use it?
No. Enter the rate you are discussing with your loan officer or use a planning rate. Final pricing depends on credit, program, and property details.
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Important disclosures
Estimates are for educational purposes only and are not a loan estimate, commitment to lend, or guarantee of terms. Calculators and reports do not constitute financial, tax, or legal advice. Only a licensed loan officer can provide official quotes, disclosures, and approval to lend. Equal Housing Lender.