Equity and next-home planning

What could your current home make possible?

Start with the money you may actually have after selling costs and reserves—or compare the monthly picture if you keep the home as a rental.

Default 30-year rate: 6.66% · As of 2026-07-30 · Freddie Mac PMMS

Your next home

Adjust any assumption. The payment updates as you type.

Target purchase price

Interest rate

Loan term

Property taxes (%/year)

Home insurance (annual)

HOA (monthly)

Estimated PMI (% of loan/year) Applied only when the calculated down payment is below 20%.

Selling your current home

Usable proceeds are calculated after the mortgage payoff, estimated selling costs, and the cash you want to keep available.

Estimated sale price

Estimated mortgage payoff

Selling costs (% of sale price) Planning allowance for commission, taxes, title/closing costs, concessions, and related expenses.

Other repairs or costs

Cash to keep in reserve This amount stays out of the new-home down payment.

Additional cash for down payment

Sell-and-buy estimate

Your estimated next-home payment after applying usable sale proceeds.

Estimated next-home payment $0

From your sale

Gross equity: $0
Estimated selling costs: $0
Net sale proceeds: $0
Cash kept in reserve: $0
Usable sale proceeds: $0

Next-home financing

Total down payment: $0
Estimated loan amount: $0
Principal and interest: $0
Taxes, insurance, PMI and HOA: $0

Planning estimates only—not a loan quote, appraisal, tax opinion, property-management projection, or guarantee. Actual costs and lender requirements vary.

What could your current home make possible?

Your next home

Selling your current home

Keeping your current home