HOME BUYERS

Understand the payment before you make the offer.

Build the full monthly housing cost, inspect the loan balance and compare the written terms of two offers.

Estimate the full housing cost

Start with principal and interest, then add actual tax, insurance, PMI and HOA assumptions.

Look at principal repaid and the remaining balance. Test extra payments against your own cash priorities.

Use the same principal and holding period. Review fees and remaining debt alongside the payment.

Bring a purchase price, down payment, rate and local cost estimates. See the components separately.

See the monthly schedule and compare modeled interest and payoff timing with extra principal.

Compare rental costs, the money left each month and the cash needed to move.

Carry your own listing details into a calculator after review. Automatic lookup is not connected.

Compare fixed-rate, fully amortizing offers using the same time period and loan amount.

A mortgage payment alone does not describe an investment. Add rent, operating costs, reserves and initial cash.

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