A little clarity for your next chapter
Buy & Sell Planner
A comfortable budget. A clearer path.
What loan feels comfortable?
Your savings and sale proceeds contribute to your buying budget too. Now see what a mortgage could add, using the lower of your comfort limit and the estimated lender limit.
Lower = more breathing room each month.
Many lenders cap around 43–45%.
That's about $0/mo toward the mortgage, plus $0/mo for taxes & condo fee.
What savings will you add?
Start with the cash you already have. Decide how much goes into the new place, and how much you keep as a cushion. Your sale proceeds and a comfortable loan will complete the picture.
What will you net from your sale?
Now the money your current place brings in. Set the realtor commission and your other selling costs separately, so you can see exactly what each one takes out.
What the sale costs
The agent fee agreed in your listing agreement.
Legal fees, title and transfer taxes, and other seller-side charges.
Where the money goes
- Sale price
- $0
- Realtor commission (5%)
- $0
- Other selling costs (1%)
- $0
- Loan payoff
- $0
- Net you keep
- $0
What else will you spend?
Before adding a loan, make room for improvements, moving and an extra nest egg for trips, emergencies or other plans — these come out of your budget.
Your nest egg is in addition to the savings you already kept aside.
Closing costs on the new place
Loan fees, title search and attorney — usually 1–2% of the price.
First months of taxes, insurance and escrow held at closing.
Your purchase budget
The most you could pay for the new place, after extras and closing costs.
Net from sale is already after $0 realtor commission and $0 other selling costs.