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Check a home you found

Found a home for sale on another site or a yard sign? If it’s in one of the 50 cities we cover, type its facts from the listing and see its estimated monthly payment and the cash you’d need, line by line, with the same math and rules as our sample homes. We don’t see the listing, so every figure rests on what you type.

These are estimates from what you type and public data, not a quote, an appraisal or an official Loan Estimate. Homiy isn’t a lender or a licensed brokerage.
The home

Copy these from the listing. Only the asking price is required.

One of the 50 cities we cover: it sets the tax and closing-cost rules.

Optional: adds the ZIP’s public figures.

Required: the seller’s price on the listing.

A condo or co-op is insured and taxed differently.

Optional: sizes the insurance estimate, and a condo’s upkeep.

Optional: for the upkeep estimate and the questions to ask.

Optional: for the rent comparison in the ZIP’s figures.

Optional: from the listing; leave blank if there are none.

Optional: the seller’s current bill, from the listing.

How you’d use it
Your down payment and rate

From My numbers, saved in this browser only. A change here saves there too, and every page that shows your numbers uses it.

Down payment

20%

3%100% (cash)

7.03% is Freddie Mac's average 30-year fixed rate for the week of Sep 24, 2026, for buyers with 20% down and excellent credit. It isn't an offer or an APR. It doesn't include points, and lenders' offers to the same buyer can differ by a point or more, so compare at least three Loan Estimates. Type your own rate and press Enter.

The home’s facts are in this page’s address, after “#”, so you can bookmark it. Your down payment and rate aren’t in it.

Estimated costs for this home

Enter the asking price to see its estimated costs.

How the estimate works

  • The same calculation as every sample home on Homiy: the loan payment, the property tax a new owner would pay under the state’s rules, a planning range for insurance, your HOA dues or maintenance and any mortgage insurance; then the closing costs line by line, from the city’s published taxes and fees and sample lender and title figures.
  • It counts no money from the seller. Listings can offer to pay the buyer’s agent; we can’t see this one’s offer, so every figure is your own cost.
  • It leaves out Homiy’s planned fee: Homiy isn’t licensed and offers no services, so it can’t act for you on this home. The fee it would charge as your broker is shown on its own line, outside the totals and the fit check.
  • The down payment and rate are your own numbers from My numbers (20% down at the Freddie Mac average until you change them). A second home or rental is priced at no less than the down payment a conventional loan takes for it (10% or 15%), and says what else differs from a home you live in. A home you’d live in is priced at no less than 5% down once the loan would be above $832,750, FHFA’s 2026 baseline limit, in a county whose own limit is higher: Fannie Mae doesn’t allow a high-balance loan above 95% of the value. The earnest money and any option fee follow the state’s usual terms.
  • Figures marked ≈ are estimates; “From you” marks what you typed; rules name the law or form they come from. Where each figure comes from, and how far off it can be: How we know.

What it can’t know

The home’s condition, its flood zone, the association’s finances, the seller’s offer to pay your agent, and what lenders and insurers would quote you. The questions above help you find out before you commit.

Your numbers

Nothing you type is sent anywhere. The home’s facts stay in this page’s address, in the part after “#”, which browsers don’t send to any server: bookmark the page to keep them, and anyone you send the link to can see them. The address changes as you type, so it can also stay in your browser’s history (and any history your browser syncs) until you clear it. Your down payment and rate are kept in this browser only, like everywhere on Homiy, until you reset them in My numbers.