Complete Home Buyer Application & Affordability System
For U.S. buyers, foreign nationals, international investors, first-time buyers, owner-occupants and investors. Includes multi-currency funds, down payments, loan types, taxes, homeowners insurance, PMI/MIP, HOA, closing costs, assistance, cash-to-close, DTI, affordability and document tracking.
Live Home Buyer Dashboard
All dashboard figures and qualification indicators recalculate automatically as you type or select values.
Payment Breakdown
Principal & Interest: $0
Property Tax: $0
Homeowners Insurance: $0
Mortgage Insurance / Guarantee Fee: $0
HOA: $0
Other Housing: $0
Qualification Snapshot
Buyer Type: —
Loan Program: —
Credit Score: —
Gross Monthly Income: $0
Total Monthly Debts: $0
LTV: 0%
Automatic Alerts & Next Steps
Buyer Profile
Primary Buyer
Additional Buyers / Co-Borrowers
Income, Employment & Monthly Debts
Monthly Income
Monthly Debts
Property & Offer
Loan Program & Down Payment
Property Taxes, Homeowners Insurance & HOA
PMI, FHA MIP, USDA Fee & VA Funding Fee
Mortgage insurance and guarantee/funding fees vary by program and borrower. The presets below are editable planning assumptions, not lender quotes.
Closing Cost Estimate
| Closing Cost Item | Estimate | Paid By | Notes |
|---|---|---|---|
| Lender Origination | $0 | ||
| Discount Points | $0 | ||
| Appraisal | |||
| Credit Report | |||
| Title / Settlement / Attorney | |||
| Lender Title Insurance | |||
| Owner Title Insurance | |||
| Recording / Transfer / Government Fees | |||
| Survey | |||
| Inspection | |||
| Home Warranty | |||
| Prepaid Homeowners Insurance | $0 | Typically first-year premium / escrow requirements vary. | |
| Prepaid Property Tax / Escrow | |||
| Prepaid Interest | $0 | ||
| HOA Transfer / Capital Contribution | |||
| Foreign National / International Processing | |||
| Wire / Courier / Translation / Notary | |||
| Other Closing Costs |
Down Payment Assistance, Seller Credits & Other Contributions
International Buyer Funds & Currency Conversion
Enter the buyer’s foreign currency and the current planning exchange rate. Static HTML cannot guarantee live FX rates without an external data service, so the rate is editable.
Other U.S.-Dollar Funds
Source of Funds / International Transfer
| Source | Country | Institution | Currency | Amount | USD Equivalent | Seasoned / Verified? |
|---|---|---|---|---|---|---|
Document Checklist
U.S. Buyer
Foreign / International Buyer
Property / Loan
Affordability & Qualification
Qualification Analysis
Cash to Close
| Component | Amount |
|---|---|
| Down Payment | $0 |
| Buyer Closing Costs | $0 |
| Upfront Program Fee Paid in Cash | $0 |
| Buydown Cost | $0 |
| Less: Assistance / Credits | $0 |
| Less: Earnest Money / Option Credits | $0 |
| Estimated Cash to Close | $0 |
Amortization & Loan Summary
| Year | Beginning Balance | Principal Paid | Interest Paid | Ending Balance |
|---|
Review & Submit
Application Summary
Certification
Settings & Assumptions
Planning tool only. Loan qualification, PMI, MIP duration, loan limits, reserve requirements, tax treatment, foreign-national programs, seller-credit limits, and closing costs must be verified with the lender, settlement professional, insurer and relevant program rules.
