Five calculators to help you buy with confidence — no email required to explore
✓ Your numbers synced to all calculators
$
Monthly debt payments
$
$
$
$
Down payment10%
Each program applies its own minimum if this is lower.
Credit score range
Savings plan
$
$
Adjust taxes, insurance & HOA
%$/mo
$
$
Debt-to-income ratio ·
% of gross monthly income toward all debts, including housing
0%36% comfortable43% max60%+
Savings timeline
Want this comparison emailed to you, with next steps?
No obligation — just your personalized numbers and a plan to get there.
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Maria will follow up with a personalized pre-approval conversation and current Fox River Valley listings in your range.
$
The total you want to pay each month — principal, interest, taxes & insurance included
$
$
Buying Power
—
est. buying power
Down Payment10%
0%5%10%15%20%
▸ Monthly Payment Breakdown
HOME PRICE RANGE
WHY BUY NOW?
All numbers are estimates only. Please obtain final numbers prior to closing. APR is estimated based on typical lender finance charges. Actual APR will vary.
Want me to find homes in your buying power range?
I'll send current Fox River Valley listings that fit your payment, plus a free intro with a trusted local lender.
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Maria will reach out with Fox River Valley listings in your range and connect you with a lender for a pre-approval conversation.
$
Down payment10%
Loan type
Credit score range
Loan term
Adjust taxes, insurance, HOA & fees
%$/mo
$
$
Monthly Payment
—
/month
Bring to Close
—
est. total
▸ Detailed Closing Costs · Illinois
Want a detailed breakdown sent to you?
I'll follow up with lender recommendations, current Fox River Valley listings in your range, and a clear closing cost timeline.
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Maria will follow up with lender contacts and a full walkthrough of what to expect at closing.
Home details
$
%$/mo
$
If I wait… 6 months
1 mo6 mo1 yr18 mo2 yrs
…and prices appreciate at 3.5%/yr
0%2%4%6%8%10%
2025 Home Price Forecasts
NAR
+4.0%
Cotality
+4.7%
Wells Fargo
+3.5%
Fannie Mae (ESR)
+3.4%
MBA
−0.3%
Source: Published 2025 annual home price appreciation forecasts. Past performance does not guarantee future results.
Enter a home price on the left to see your Buy Now vs. Buy Later comparison.
Buy Now
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per month
P & I—
Taxes—
Insurance—
HOA—
PMI—
Cash to Close—
Wait 6 Months
—
per month
P & I—
Taxes—
Insurance—
HOA—
PMI—
Cash to Close—
⏳
Calculating…
Home Price Now
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→
In 6 Months
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Extra Home Cost
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Home Appreciation
2031 Projected Value
Estimated Future Value
—
5 Years
Current Value—
Appreciation Rate—
Years—
Appreciation Total—
Do you think home prices will Appreciate or Depreciate over the next few years?
📈
Appreciation Rate
+3.5%
-5%-3%-1%1%3%5%7%9%10%
Buy Now + Refi in 5 years
Price—
Refi Loan—
Rate After Refi—
Total Payment—
vs
Buy in 5 years
Future Price—
Loan—
Interest Rate—
Total Payment—
Interest rate in 5 years5.625%
2%3%4%5%6%7%8%9%10%
Home Appreciation
Refi in 5 years
Down—
Principal Paid—
Appreciation—
Total Equity—
Buy in 5 years
Down—
Principal Paid$0
Appreciation$0
Total Equity—
Years
5
Every month you wait has a price tag.
Enter your details to see exactly what waiting costs you.
Want the full picture?
Maria can connect you with a lender, walk you through the Fox River Valley market, and help you decide if now is your moment.
✓
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Maria will be in touch soon to help you navigate your timing decision.
Offer Details
$
$
$0 gap$10,000 gap$50,000 gap
10%
▸ Taxes, Insurance & PMI
%$/mo
$
Alternative: Ask for Concessions Instead
Instead of a price drop, ask the seller to cover closing costs. You get the same net benefit with no extra monthly payment impact.
—
MONTHLY PAYMENT DIFFERENCE
—
Enter your offer and counter above to see the impact.
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Your Offer /mo
—
Counter /mo
—
Difference /mo
Full Picture
Your OfferCounter
P & I——
Property Tax——
Insurance——
PMI——
Total PITI / mo——
Price gap—
Monthly PITI difference—
Daily cost difference—
Cost of gap — 1 year—
Cost of gap — 5 years—
Down payment @ offer—
Down payment @ counter—
Total interest — offer—
Total interest — counter—
Monthly Payment Comparison
Your Offer
Seller Counter
Ready to make your move?
I'll help you craft an offer strategy that protects your budget and gives you the best shot at the home.
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Maria will follow up with a tailored offer strategy for your situation.
Estimates only and for illustrative purposes. Rates shown are representative ranges and will vary based on lender, loan specifics, and current market conditions. PMI rates scale by credit and down payment; FHA MIP shown as a flat annual estimate (1.75% upfront typically financed). VA funding fee assumes first-time use. Illinois closing cost line items are estimates — actual figures depend on your title company, lender, and closing date. Attorney fees are required in Illinois real estate transactions. Not a loan offer, pre-approval, or rate lock. Always consult a licensed lender for your actual figures.
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Start with my free budgeting class and my Investing 101 class at mariaNEZ.com
