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 ≈ $40,601 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 (≈ $608,000, a model not yet tested against real sales), the price is $51,000 above it and the loan follows the appraisal: you'd bring about $40,601 more cash than the down payment shown. Otherwise you can still end the contract for any reason before due diligence ends (the due diligence fee is normally lost); after that, backing out over a low appraisal could cost your earnest money.
Generated sales with fictional addresses, not real transactions. Sample data as of Sep 26, 2026.
Cash needed in total (est.)
Estimate$131,800 down, $11,338 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.≈ $148,138
Estimate, before any seller credit. Your lender's Loan Estimate will show its actual charges.