For educational / planning purposes only

The Reality Check

 

Don’t fall in love before the budget works.

Reality Check Estimator

Powered by NVHomesLV.com — created by licensed real estate agents at URG | United Realty Group.
NV Licenses: S.195615 | S.194998

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 These are typical program baselines — lender rules vary. We’ll help match you with the right lender for your profile. Final terms and approvals are determined by the lender.
iEnter a percentage or dollar amount.
This option typically requires at least X% down. Lender guidelines vary.
iShorter terms pay off faster. Longer terms lower the payment.

Building Your Reality

Step 2
iPlanning estimate only — lenders confirm final pricing.
Use a sample rate — lenders confirm final pricing.
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

Planning estimate only — we’re not a lender. Final terms come from the lender.
Estimated Monthly Payment $0
Total Funds Needed (Cash to Close + Reserves) $0
(Cash due at title + reserves)

The Cash Breakdown

Total Funds Needed (Cash to Close + Reserves) $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.
Reserves ≠ cash due at closing.
  • Principal & Interest $0
  • Taxes & Insurance $0
  • Mortgage Insurance (PMI) $0
  • HOA Fees $0
Reality Check: $0/mo • $0 total funds needed
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Contact

URG | United Realty Group

info@nvhomeslv.com | License Numbers: S.195615 | S.194998


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