Down payment plus one-time fees due before you get the keys. Rates pull from local market data and are fully editable.
SHEET 01 / 03
Total Cash Needed at Closing—
Phase 02 — Handover
Move-In Costs
One-time costs right after closing — moving, a home warranty, and a starter repairs/renovation budget.
SHEET 02 / 03
Phase 02 Subtotal—
Phase 03 — Recurring
Monthly Payment (PITI)
Principal, Interest, Tax and Insurance — plus PMI if your down payment is under 20%, and HOA if applicable.
SHEET 03 / 03
Total Monthly Payment—
⚠️You are exceeding the 28% front-end mortgage rule!
Grand Summary
Total cash needed to move in
Closing Costs + Move-In Costs
—
Down Payment + Fees + Move-In — before your first mortgage payment
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All rates and fees are editable local-market placeholders, not live loan quotes — verify with a lender before budgeting.
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