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Your next chapter, with clearer numbers

What would buying really take?

See the cash you may need at settlement, what you have already paid, and the ongoing cost of ownership. Explore three possibilities, then review the details with Erin and your lender.

No email required. Entries stay in this page’s memory only. Printing preserves them; reloading or leaving clears them. Nothing is saved to an account or shared with Erin.

Also selling? Compare your seller scenarios →

Three ways to plan

Download a branded, letter-size estimate to review, share or print. The PDF is created on your device; it does not send your figures to Erin or open your printer.

Build your starting point

Use only your buyer portion of each cost. Enter numbers without commas. No estimated fee or rate is prefilled.

1 · Price and financing
Source & date for Gross purchase price

A dated lender/title statement or provider quote, with the exact line reference. Enter confirmed 0 for none; blank means unknown. Source details stay on your device too. Do not enter account numbers or private borrower identifiers.

About purchase price

Use the current executed price, or clearly source your planning assumption. A seller credit is entered separately and never reduces price automatically. A signed price amendment changes price.

2 · Earnest money and deposits
About deposits

A proposed or due deposit is not money already paid. Only the supported amount applied to this purchase reduces additional settlement cash. A paid deposit remains part of your total funds through settlement. For returned, disputed or unapplied deposits, confirm the actual paid and applied amounts with title; do not enter an unsupported credit.

3 · Your cost ledger

Start with the costs that apply. Include inspections, lending, title, prepaids, escrow, HOA and property-specific costs. Enter zero for a confirmed no-cost item. This ledger is itemized; never add a closing-cost subtotal alongside its component fees.

4 · Supported credits
About credit eligibility

Use the lender/title-supported usable total for these exact modeled costs, not just a program maximum. Credits may be limited by eligible costs and financing rules; excess is unresolved, never automatically cash back or down-payment coverage. Assistance loans add debt: include them in verified financing only after the lender reconciles all funding. Do not count the same funding here too.

Property-tax and HOA prorations belong in the cost ledger with an explicit cost/credit direction, not here a second time. A price reduction belongs in purchase price only.

5 · Monthly ownership and reserves

This separate budget does not change settlement cash. Use dated lender, insurer, association and utility figures. Enter each monthly component once: if a quoted mortgage payment already includes escrow, separate its components before entry.

Source & date for Monthly Principal and interest

A dated lender/title statement or provider quote, with the exact line reference. Enter confirmed 0 for none; blank means unknown. Source details stay on your device too. Do not enter account numbers or private borrower identifiers.

Source & date for Monthly Property taxes

A dated lender/title statement or provider quote, with the exact line reference. Enter confirmed 0 for none; blank means unknown. Source details stay on your device too. Do not enter account numbers or private borrower identifiers.

Source & date for Monthly Home insurance

A dated lender/title statement or provider quote, with the exact line reference. Enter confirmed 0 for none; blank means unknown. Source details stay on your device too. Do not enter account numbers or private borrower identifiers.

Source & date for Monthly Mortgage insurance

A dated lender/title statement or provider quote, with the exact line reference. Enter confirmed 0 for none; blank means unknown. Source details stay on your device too. Do not enter account numbers or private borrower identifiers.

Source & date for Monthly HOA / district recurring charges

A dated lender/title statement or provider quote, with the exact line reference. Enter confirmed 0 for none; blank means unknown. Source details stay on your device too. Do not enter account numbers or private borrower identifiers.

Source & date for Monthly Utilities

A dated lender/title statement or provider quote, with the exact line reference. Enter confirmed 0 for none; blank means unknown. Source details stay on your device too. Do not enter account numbers or private borrower identifiers.

Source & date for Monthly Maintenance reserve

A dated lender/title statement or provider quote, with the exact line reference. Enter confirmed 0 for none; blank means unknown. Source details stay on your device too. Do not enter account numbers or private borrower identifiers.

Source & date for Monthly Other recurring costs

A dated lender/title statement or provider quote, with the exact line reference. Enter confirmed 0 for none; blank means unknown. Source details stay on your device too. Do not enter account numbers or private borrower identifiers.

Source & date for Lender-required reserves kept after closing

A dated lender/title statement or provider quote, with the exact line reference. Enter confirmed 0 for none; blank means unknown. Source details stay on your device too. Do not enter account numbers or private borrower identifiers.

About ongoing costs

Principal and interest is loan repayment, not taxes or insurance. Escrow funding at closing is a cash deposit; the monthly tax and insurance budget is ongoing ownership. Mortgage insurance, HOA/district charges, maintenance and utilities may vary. Reserves are money you may need to retain, not another closing fee or a promise of sufficient liquidity. Moving, repairs and furnishings can be separate after-closing cost rows.

Starting point

Additional cash at settlement

Incomplete estimate

Partial arithmetic below is not a complete cash requirement. Resolve the checklist first.

Gross purchase price
$0.00
Cash-ledger costs less prorations
$0.00
Loan funds applied to those items
$0.00
Deposit applied
$0.00
Supported usable credits
$0.00
Additional settlement cash (partial if incomplete)
$0.00
Prior funds paid, net of received refunds
$0.00
Funds through settlement: cash plus prior
$0.00
Planned after-closing costs (separate)
$0.00
Financed charges outside cash ledger
$0.00
Total note debt (informational)
$0.00

Your ongoing ownership budget

Monthly budget incomplete

Required reserves: Not yet confirmed. These are separate from cash at settlement.

What still needs a figure?

  • Purchase price: enter an amount, including 0 if confirmed none.
  • Purchase price must be greater than zero.
  • Choose cash or financing; unknown financing is not zero.
  • Confirm the deposit treatment.
  • Review all applicable cost categories and confirm the ledger coverage.
  • Confirm seller / lender / builder / assistance credit treatment.
Monthly budget checklist
  • Principal and interest: enter an amount, including 0 if confirmed none.
  • Property taxes: enter an amount, including 0 if confirmed none.
  • Home insurance: enter an amount, including 0 if confirmed none.
  • Mortgage insurance: enter an amount, including 0 if confirmed none.
  • HOA / district recurring charges: enter an amount, including 0 if confirmed none.
  • Utilities: enter an amount, including 0 if confirmed none.
  • Maintenance reserve: enter an amount, including 0 if confirmed none.
  • Other recurring costs: enter an amount, including 0 if confirmed none.

Planning estimate only. This is not a Loan Estimate, Closing Disclosure, loan qualification or settlement instruction. It does not establish available funds or program eligibility.

Review the assumptions with Erin

Your figures are not sent with this link. Print the summary first if you want to discuss it.

Back to inputs

Enter a scenario before printing. Unknown inputs are not zero.