For educational / planning purposes only

The Reality Check

 

Don’t fall in love with a home until you know your budget loves it back.

Reality Check Estimator

Adjust the details below to estimate your monthly payment and estimated cash to close.

Home Goals

Step 1
iEnter the home price.
iChoose your best estimate. This helps narrow down loan options.
i Loan program details shown are general. We screen your goals and connect you with a lender that fits your situation. Final terms, eligibility, and approvals are determined by the lender.
iEnter a percentage or dollar amount.
Below the minimum required for this loan option.
iShorter terms pay off faster. Longer terms lower the payment.

Build Your Reality

Step 2
iFinal terms depend on your full loan scenario.
iTaxes vary by property and area.
iInsurance varies by home and coverage.
iOnly applies if the home has an HOA.
iPMI depends on loan type, down payment, and credit.

Closing Costs & Cash Breakdown

Step 3
iClosing costs vary by loan type and structure.
iPrepaid items often include first-year insurance + tax setup. Added to cash due at title.
iFunds that may help cover down payment and/or closing costs. Terms vary.
iOften used strategically to reduce out-of-pocket expenses.
iDefined in your Buyer’s Brokerage Representation Agreement (BBRA).
iSome loan programs require reserves. This is NOT cash due at title — it’s money you may need to show remaining in the bank.
More Calculators

Estimated / Planning Disclaimer: This estimate is for educational purposes only and not a loan commitment. Actual rates, payments, and closing costs vary.

Calculated Results

Estimates shown for planning purposes only.
Estimated Monthly Payment $0
Total Cash Required (Bank Balance) $0
(Cash due at title + reserves)

The Cash Breakdown

Total Cash Required (Bank Balance) $0
Minus Cash Due at Title (Your Check) $0
Remaining in Bank (Reserves) $0
This separates what you pay at closing vs. what you may need to show is still in your account.
  • Principal & Interest $0
  • Taxes & Insurance $0
  • Mortgage Insurance (PMI) $0
  • HOA Fees $0
Estimated Payment: $0 | Estimated Cash to Close: $0
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