Buying calculator

Estimate your monthly payment, cash to close, and affordability — then compare offer scenarios. Adjust any assumption; the report updates live.

Property & offer

Asking price

Offer amount

Financing

Down payment

Interest rate

Loan term (years)

Monthly costs

Property tax (annual)

Homeowners insurance (annual)

HOA dues (monthly)

Utilities (monthly, optional)

Cash to close

Closing cost estimate

Seller concessions

Repair allowance

Prepaids / escrows

Optional context

Gross monthly income

Enables the affordability readCurrent owner purchase price

From public records; context only

Estimated total monthlyunknown

$2,778.97

At a $400,000 offer with 20% down, the estimated total monthly payment is $2,778.97 and you'd need about $88,000 in cash to close.
The loan is $320,000 at a 80.0% loan-to-value, and the offer is 97.6% of list price.
Add a gross monthly income to see an affordability read on this payment.

Monthly breakdown

Principal & interest: $2,128.97
Property tax: $500.00
Insurance: $150.00
PMI: $0.00
HOA: $0.00
Utilities: $0.00
Total: $2,778.97

At a glance

Cash to close: $88,000
Loan amount: $320,000
Down payment: $80,000
Loan-to-value: 80.0%
Offer % of list: 97.6%

Offer scenarios (±5%)

Offer	Monthly	Cash	LTV
$380,000	$2,672.52	$84,000	80.0%
$400,000	$2,778.97	$88,000	80.0%
$420,000	$2,885.42	$92,000	80.0%

All figures are estimates for informational purposes only and are not financial, legal, tax, lending, appraisal, or real estate advice. Verify all numbers with licensed professionals before making decisions.