Home Model
When can you buy?
Project when your savings can fund a new home, factoring in debt paydown, the sale of a current home, and post-debt cash flow.
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Current savings balance
$
Monthly savings contribution
$
What you're putting away now, during debt paydown
Annual return on savings
%
HYSA or investment return
From your debt paydown model, or estimate below
Months until debt-free
Monthly cash flow unlocked
$
Total payments freed when all debts clear
Estimated sale price
$
Remaining mortgage balance
$
Selling costs
%
Agent fees + closing costs, typically 5–6%
Estimated net equity$170,000
Target home price
$
Down payment
%
Closing costs
%
Annual home price appreciation
%
Historical So-Cal average ~4–6% annually
Total cash needed$165,000
Mortgage rate
%
Annual interest rate on the new mortgage
Gross monthly income
$
Household income before taxes
Existing monthly debt payments
$
Car, student loans, etc. (optional)
Monthly P&I$3,892
P × [r(1+r)^n] / [(1+r)^n − 1]
Est. Monthly PITI$4,985
P&I + property tax + insurance (estimates)
Tax and insurance are estimates. Actual amounts vary by location.
Lenders commonly use 28% as a housing ratio guideline and 36% as a DTI guideline. These are reference points, not rules.
You could buy in
May 2026
Today
$25,000
Total saved at goal
$170,000
Equity from home sale
$0
Interest earned on savings
—
Extra per month to buy 1 year sooner
$750k
Home price at buy date
$165,000
Revised cash needed
$0
Your trajectory covers appreciation
Your timeline
Savings
Savings + equity
Appreciated goal