Your home. Your numbers.
Your payment &
cash to close.
Choose your scenario. See both estimates. No application, contact details or credit pull.
Planning estimates—not a Loan Estimate, rate lock or loan approval. Final terms depend on verified borrower and property details.
01 / Make it yours
Choose your scenario.
Starts with 780–799 credit, 20% down and a conventional 30-year fixed loan. Change the details to fit your plans.
02 / Your estimates
Your payment.
Your cash to close.
The payment and cash estimate below use the same selected rate option.
Your cash estimate will appear with your current payment options.
Want to talk through these numbers?
Estimate assumptions & important details
These are planning estimates, not a Loan Estimate, approval, commitment to lend or rate lock. Final terms depend on a complete application, verified borrower and property information, eligibility, underwriting and available pricing.
Payments include the listed principal and interest, property taxes, home insurance and applicable mortgage insurance. HOA fees are included only when you enter or confirm a monthly amount. Flood insurance, special assessments and other property costs may be extra.
Discount points are an upfront cost. A lender credit is separate from the real estate commission rebate and may come with a higher rate, payment and total interest cost. Compare both the payment and upfront cost.
The Buy Borrow Save rebate is up to 1% of purchase price, capped at $10,000, when you use both services or qualify for a financing exception. Full 1% requires at least 2.5% seller/listing-broker compensation to our brokerage. At 2%, the rebate is 0.5%; at 1.5% or less, no rebate. It is a one-time credit toward eligible closing costs, subject to offer terms and loan rules. It does not reduce your monthly payment or replace your down payment. No cash back.
Mortgage services: Mortgage Expert, Inc. · Company NMLS 2412313. Shahram Sondi · NMLS 186790. Real estate services: Diversified Broker, Inc. d/b/a SHAHRAM SONDI + CO. · CQ1049127. Shahram Sondi · BK3225742. Separate entities under common ownership. You may choose either service separately.
Read the offer terms ↗03 / Fine-tune your cash estimate
Review your closing assumptions.
Your contract decides who pays. Adjust the costs and rebate assumptions below; your cash estimate updates above.
2.5% is an assumption, not confirmed compensation. Enter the agreed amount. Full 1% rebate requires at least 2.5%; lower compensation reduces it, with no rebate at 1.5% or less. If neither seller nor listing broker pays, the bundled option has an upfront-agreed buyer-paid fee of 1.5%, without an additional rebate. That fee is included only when you enter 0 and select both services below.
An other-lender exception preserves only an eligible commission rebate. It does not automatically qualify for the separate 1.5% buyer-paid fee. Exception requirements.
Already paid a deposit? Have other costs?
Only the deposit held for your purchase and credited at closing. Leave at 0 if you have not paid one. This is money already paid, not a discount.
Add costs not listed in the breakdown, such as an inspection or extra property charges. This allowance is not reduced by the rebate in this tool.
What this budget includes—and leaves out
Uses the title and deed-tax payers you selected, 10 days of prepaid interest, the first year of home insurance, and three months each of taxes and insurance for the escrow account. Uses your annual tax and insurance amounts above.
For a new home, check that the tax estimate covers the completed home, not just the land. This tool models a home purchase, not a construction loan.
Seller or builder credits, tax prorations and other adjustments are not assumed. Appraisal, survey, recording, inspection, HOA transfer/reserve fees or other charges may be additional where not itemized. Closing date, contract terms and final fees will change your numbers.