Client decision tools
Home decisions, worked out on paper first.
Bring your own quotes and assumptions. See complete results, compare scenarios and keep a printable copy before choosing a next step.
What you bring to closing, and what is left after year one
Your Loan Estimate tells you the closing costs. It does not tell you the cash that actually leaves your account, or what the first twelve months cost once the movers are paid. Enter the numbers from your own documents and see both.
What to bring: your Loan Estimate, the contract, the due diligence and earnest money receipts, and your best guesses for taxes, insurance and moving.
Work through this decision →
Your net proceeds, as-is or after repairs
A higher sale price can still leave less in your account. Put two prices, a contractor quote and the extra carrying time on the same net sheet.
What to bring: your loan balance and terms, sale-cost estimates, repair quotes and two possible closing dates.
Work through this decision →
Which builder offer is actually cheaper?
A price cut, a closing credit and a temporary payment subsidy do different jobs. Compare two or three written offers over the same months, with debt still visible.
What to bring: dated written offers, loan quotes, lot and upgrade prices, restrictions and expiration dates.
Work through this decision →
Will your cash last until the old house closes?
Two closings rarely move in lockstep. Put the purchase, move and sale funds on actual dates, then test what a delay does to the cash in between.
What to bring: estimated closing cash, available savings, sale payoff information and any committed bridge terms.
Work through this decision →
The whole project, including the months it takes
The contractor quote is one part of the project. Add acquisition, permits, contingency and the payments that continue while the work is underway.
What to bring: purchase and financing terms, itemized quotes, timing, and your own resale or rental assumptions if relevant.
Work through this decision →
Compare the shortlist in your own monthly numbers
Keep two to four community scenarios side by side. Put housing costs next to the hours and dollars spent reaching one or two destinations.
What to bring: your own housing budget, loan terms and travel estimates. Use a baseline only after reviewing its date and limits.
Work through this decision →
