A math tool, not a sales pitch

If you sold this house and moved, what would the next payment look like?

Most people run this math late at night, alone, with half the numbers. Here is the whole picture on one screen. Type your own numbers. None of them are saved or sent.

The house you have

What could it sell for?

Your own best guess. Nobody can tell you this for certain without looking at the house, and this page will not pretend to.

What do you still owe on it?

Your mortgage statement shows the balance. Your lender gives you the exact payoff. If it is paid off, type 0.

What would selling cost you, as a share of the sale price? (%)

This covers broker compensation, title and closing fees, and any repairs or credits. Each one varies by sale and broker compensation is always negotiable, so there is no standard number. Try a couple and watch what moves.

The house you want

What does the next home cost?

How much of what you would keep goes toward it?

Closing costs on the purchase come out of this same money. To leave room for them, type a smaller number.

The interest rate you want to test (%)

We never suggest a rate. Use one a lender has quoted you, or try a few. A licensed lender gives you your real one, in writing.

Add property taxes, home insurance, and HOA for the full picture

Yearly property taxes on the next home

Type the total for the whole year, not a monthly amount. If you know it by the month, multiply by twelve first. Property taxes on the next home are set by that home and its county, not by what you pay today. Your county appraisal district has the number. If none would be due, type 0.

Yearly home insurance premium

Type the total for the whole year, not a monthly amount. If you know it by the month, multiply by twelve first.

HOA (per month)

What do you pay each month now?

Your payment today (per month)

Optional. It lets you see the difference. Include property taxes and insurance, even if you pay those separately.

The numbers you type stay in your browser. They are not saved, sent, or shared.

Your move, in three numbers

Start with the house you have. The first number appears as soon as those three are in.

This is math on the numbers you typed. It is not a loan offer, a rate quote, a prequalification, an appraisal, or tax or legal advice. Maureen Cappallo is a Texas broker, not a loan officer. A licensed lender confirms your numbers.