- True monthly
- $4,542
- vs entered rate
- +$69/mo
- 5-year interest
- $137,725
BUY · LISTING COST CHECKER
See the costs the listing leaves out.
Start with the advertised price. Add financing, tax, insurance, HOA, utilities, maintenance, repairs and the cash needed before move-in—then keep every missing document visible.
Check a listing →Loading checker…
Turn the listing into editable assumptions.
Nothing is fetched from the listing link. Your entries remain in this browser session.
OFFER PRICE → TRUE COST
Move the price. See the whole plan move.
- True monthly cost
- $4,472/mo
- Cash needed
- $142,967
- Five-year cost
- $266,062
Every additional $25,000 adds approximately $147/month, $6,192 upfront and $8,307 over five years under the assumptions on this page.
MORTGAGE RATE SENSITIVITY
Compare quotes—not rate forecasts.
Each rate keeps the loan balance, term and non-mortgage costs on this page unchanged.
- True monthly
- $4,404
- vs entered rate
- −$69/mo
- 5-year interest
- $127,177
- True monthly
- $4,269
- vs entered rate
- −$204/mo
- 5-year interest
- $116,662
- True monthly
- $4,137
- vs entered rate
- −$335/mo
- 5-year interest
- $106,183
HYPOTHETICAL REFINANCE CHECK
Enter the target rate and actual closing-cost estimate.
The balance and remaining term are held equal for comparison. A real refinance can reset the term, change escrow/insurance and add financed costs.
MONTHLY P&I CHANGENo change/monthBREAK-EVENEnter closing costs
Planning boundary: These are user-controlled what-if rates—not current quotes or a prediction that rates will fall. Compare Loan Estimates, APR, points, lender credits, costs and the time you expect to keep the loan.
Cash-to-buy assumptions +
Unverified U.S. listing
Monthly ownership lines
- Mortgage
- $2,655
- Property tax
- $547
- Insurance
- $208
- HOA + PMI
- $0
- Utilities
- $350
- Maintenance + replacements
- $713
4 evidence checks are still open.
Checking a box records only your review. It does not make a document accurate.
- Buyer property-tax treatment
- Address-specific insurance quote and coverage
- Inspection and repair scope
- Roof, HVAC, water heater and windows
PRIVACY-SAFE SUMMARY$525,000 home · $4,472/month true cost
The address and listing URL are excluded unless you add them yourself after sharing.
PRODUCT BOUNDARY
Manual details, not prohibited scraping.
A listing link is stored only in this browser as your reference. HomeCostGrid does not fetch or copy third-party listing content. Verify every figure against the Loan Estimate, assessor, insurer, HOA documents and inspection evidence.
