First-time home buyer calculator
Estimate the cash you need before you make the offer.
The down payment is only one part of the number. This calculator adds closing costs, inspection, moving, and reserve cash so you can see the full upfront estimate.
Upfront cash estimate
What this calculator includes
Use conservative assumptions here. A cleaner estimate now helps you avoid making an offer based on the headline price instead of the full cash requirement.
- Down payment estimate based on purchase price and percent down.
- Closing cost estimate using a simple percentage of the purchase price.
- Inspection, moving, and setup costs that often get missed.
- Payment reserve so the first month does not start with no cushion.
Down payment$0
Closing costs$0
Inspection + moving$0
Reserve cash$0
Total cash target$0
Full planner
Need the lender comparison and home-by-home tracker?
The First-Time Home Buyer Kit adds affordability tabs, closing cost worksheets, lender comparison, timeline planning, and side-by-side home scoring.
First-Time Home Buyer Kit
Use the calculator for a quick estimate. Use the spreadsheet when you need to compare real homes, real lenders, and real cash requirements.