Step 1 of 4
No budget set. Add one and every suggestion stays under it.
Each keeps your protections. Pick one, then fine-tune the price below.
Estimates at the highest price each option can reach, with the planned flat Homiy fee. The Costs step itemizes every line.
Compared with the asking price: 0%
Asking price isn't value: it's where the seller starts.
What this price means
If the appraisal came in at our sample estimate, the loan would follow it: you'd bring ≈ $10,270 more cash. The Costs step shows 3%, 5% and 10% low.
Appraisal-gap risk
If the lender's appraisal comes in at our sample estimate (≈ $182,000, a model not yet tested against real sales), the price is $12,900 above it and the loan follows the appraisal: you'd bring about $10,270 more cash than the down payment shown. Otherwise the contract's appraisal and financing terms decide what happens next: usually you give notice by a deadline, then renegotiate, cover the gap or cancel. Your earnest money comes back only if you act within those deadlines.
Generated sales with fictional addresses, not real transactions. Sample data as of Sep 26, 2026.
Cash needed in total (est.)
Estimate$38,980 down, $5,772 of closing costs and prepaids and the planned $5,000 Homiy fee, earnest money included.Not included: a home inspection, moving, immediate repairs, or reserves a lender may want you to keep after closing.≈ $49,752
Estimate, before any seller credit. Your lender's Loan Estimate will show its actual charges.