Home-move planner
Run the numbers
Loan
$
$
%
Fixed for the first years, then adjusts annually. 30-year total term.
%
%
%
Monthly costs
%
$/yr
$/mo
%/yr
Applies automatically under 20% down; drops off once the balance reaches 80% of the home price.
$/mo
Goes straight at principal every month.
Monthly payment
Total / month
—
Principal/interest split shown for the first payment — it shifts toward principal every month (see the schedule below).
ARM outlook after the fixed period
Fixed period payment
—
After first adjustment
—
Worst case at lifetime cap
—
Worst case assumes the rate rises by the per-adjust cap every year until it hits the lifetime cap. P&I only.
Loan summary
Loan amount
—
Total interest
—
Total cost
—
Payoff
—
PMI ends
—
—
—
Balance over time
Term comparison same rate assumed
| Term | P&I / mo | Total interest | vs 30 yr |
|---|
Figures are principal & interest only — excludes extra payments.
Amortization
| Date | Principal | Interest | Balance |
|---|
Income & debts
$/yr
$/mo
Car loans, student loans, credit card minimums — not utilities or groceries.
$
Loan assumptions
%
%/yr
$/yr
$/mo
Comfort level
Share of gross monthly income going to the house payment. 28% is the classic guideline.
House payment plus all other debts. 36% is conservative; lenders often allow up to 43–50%.
You can afford
Max home price
—
—
Conservative
—
Your settings
—
Aggressive
—
Conservative = 25% housing ratio · Aggressive = 43% total-debt ceiling. Same rate, term, and costs.
At that price
Monthly payment
—
Loan amount
—
Down payment
—
PMI
—
Budget headroom
Housing / income—
0%guideline 28%40%
All debts / income—
0%guideline 36%50%
Selling your current home
$
$
What you still owe, including any payoff penalty.
$/mo
What you pay today — P&I + tax + insurance escrows. The runway benchmark.
%
$
$
$
Other = repairs, staging, overlap rent — anything else the move costs you.
Buying the new home
$
%
%
%/yr
$/yr
$/mo
Net proceeds
Net proceeds from the sale
—
—
Cash to put toward the new house
—
This pot splits between your down payment and kept savings.
Strategy comparison vs $2,900/mo today
—
| All-in | 20% down | Custom |
|---|
Side-by-side only — pick whichever fits your plan. PMI assumed at 0.5%/yr whenever the down payment is under 20%.
Runway custom strategy
Monthly gap
—
Savings kept
—
Savings last
—
Runs out
—
—