Posted by admin on September 3, 2026

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HOME BUYER 360 • U.S. & INTERNATIONAL BUYER APPLICATION

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 programs, property taxes, homeowners insurance, PMI/MIP, HOA, closing costs, assistance, cash-to-close, DTI, affordability and document tracking.

Currency display: USD local amounts with USD equivalent in green. Change this in the Currency Center.

Client Currency:

USD per 1 local unit

Purchase Price$0

Down Payment$0

Base Loan$0

Total Loan$0

Monthly P&I$0

Total Housing$0

Cash to Close$0

Front DTI0%

Back DTI0%

Available Funds$0

Funds Surplus / Gap$0

Application Score0/100

Live Home Buyer Dashboard

All figures recalculate automatically as you type.

Payment Breakdown

P&I: $0

Property Tax: $0

Homeowners Insurance: $0

Mortgage Insurance / 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

Enter buyer data to generate recommendations.

Buyer Profile

Buyer TypeOccupancyNumber of BuyersPreferred LanguageCountry of ResidenceCitizenship / Nationality

Primary Buyer

First NameLast NameEmailPhone / WhatsAppDate of BirthMarital StatusCurrent HousingYears at Address

Additional Buyers / Co-Borrowers

Additional Buyer / Co-Borrower Sections

Change “Number of Buyers” above. Additional buyer sections will appear automatically.

1 buyer selected.

Income, Employment & Monthly Debts

Monthly Income

Employment / Salary IncomeBusiness / Self-Employment IncomeRental IncomeInvestment / Dividend IncomePension / Retirement / OtherCo-Borrower Income

Monthly Debts

Credit CardsAuto Loans / LeasesStudent LoansPersonal LoansExisting Mortgage / Housing DebtChild Support / Alimony / Other

Gross Monthly Income$0

Monthly Debts$0

Annual Income$0

Property & Offer

Purchase PriceAppraised / Estimated ValueProperty TypeProperty StateProperty CountyProperty CityOffer PriceEarnest MoneyDue Diligence / Option Fee

Loan Program & Down Payment

Loan ProgramDown Payment OptionCustom Down Payment %Interest Rate %Loan TermDiscount Points %Interest Rate Buydown CostLoan Origination %Prepaid Interest Days

Down Payment %0%

Down Payment $$0

Base Loan$0

LTV0%

Property Taxes, Homeowners Insurance & HOA

Annual Property Tax %Annual Property Tax $ OverrideAnnual Homeowners Insurance %Annual Homeowners Insurance $ OverrideMonthly HOA / Condo FeeMonthly Flood InsuranceMonthly Special AssessmentMonthly Ground Rent / LeaseholdOther Monthly Housing Cost

Monthly Property Tax$0

Monthly Insurance$0

HOA + Other$0

PMI, FHA MIP, USDA Fee & VA Funding Fee

Editable planning assumptions. Verify actual insurance/funding fees with the lender and program rules.

Monthly MI TypeAnnual MI / Guarantee Fee %Upfront Program Fee TypeUpfront Fee %Finance Upfront Fee?VA First Use?VA Funding Fee Exempt?Custom Monthly Mortgage Insurance $PMI Cancellation Planning LTV %

Upfront Fee$0

Monthly MI / Fee$0

Total Loan After Fee$0

Closing Cost Estimate

Item	Estimate	Paid By
Lender Origination	$0
Discount Points	$0
Appraisal
Credit Report
Title / Settlement / Attorney
Lender Title Insurance
Owner Title Insurance
Recording / Government Fees
Survey
Inspection
Home Warranty
Prepaid Homeowners Insurance	$0
Tax / Escrow Prepaids
Prepaid Interest	$0
HOA Transfer / Contribution
International Processing / Translation / Wire
Other Closing Costs

Total Closing Costs$0

Buyer-Paid Closing Costs$0

Assistance, Seller Credits & Contributions

Down Payment AssistanceClosing Cost AssistanceSeller / Builder CreditLender CreditGift FundsEmployer / Community GrantOther Approved CreditEarnest Money Already PaidOption / Due Diligence Credit

Total Assistance / Credits$0

International Buyer Funds & Currency Conversion

Enter a current planning exchange rate. Static HTML cannot guarantee live FX rates without an external data service.

Primary CurrencyForeign Currency AmountUSD per 1 Unit of Foreign Currency

Converted Foreign Funds$0

Total Available Funds$0

Other USD Funds

U.S. Bank / Cash FundsInvestment / Brokerage FundsBusiness FundsGift Funds AvailableAsset Sale ProceedsOther Verified Funds

Source of Funds / Transfer Trail

Source	Country	Institution	Currency	Amount	USD Equivalent	Verified?

Affordability & Qualification

Target Front-End DTI %Target Back-End DTI %Reserve Months Target

Front DTI0%

Back DTI0%

Max Housing at Target DTI$0

Estimated Max Price$0

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

Total Interest Over Term$0

Total P&I Payments$0

Year	Beginning Balance	Principal Paid	Interest Paid	Ending Balance

Review & Submit

Applicant—

Buyer Type—

Loan Program—

Purchase Price$0

Total Monthly Housing$0

Cash to Close$0

Application Summary

Certification

I certify that the information entered is accurate to the best of my knowledge.Applicant SignatureDate

Currency Converter

The client chooses the local currency directly here. Enter an amount in either the client currency or U.S. dollars and the other side updates automatically. The selected currency is also used throughout the application.

Client Currency

Select Client Currency Exchange Rate — USD Value of 1 Client Currency Unit Client Currency Amount

Client Currency Result

$ 100,000.00

U.S. Dollar Equivalent

USD Amount

United States Currency

USD $100,000.00

USD is always displayed in green with USD in front.

Common Conversion Examples

Client Amount	Client Currency	USD Equivalent

Currency Center

Select the buyer’s local currency once. All monetary results display in local currency and also show the U.S. dollar equivalent in green. The exchange rate is editable so you can use the lender, bank, wire-service or current market rate.

Local Currency USD Value of 1 Local Currency Unit Display Format

Selected CurrencyUSD — U.S. Dollar

Planning FX Rate1 USD = $1.00 USD

Example Conversion$100,000 / $100,000 USD

Quick Exchange-Rate Presets

These are editable planning presets only and are not guaranteed live market rates. Replace them with the current bank/lender/wire rate when needed.

Currency	Currency Name	Planning USD per 1 Local Unit
USD	U.S. Dollar	1
CAD	Canadian Dollar	0.74
EUR	Euro	1.17
GBP	British Pound	1.35
XOF	West African CFA Franc	0.00178
XAF	Central African CFA Franc	0.00178
NGN	Nigerian Naira	0.00065
GHS	Ghanaian Cedi	0.090
KES	Kenyan Shilling	0.0077
ZAR	South African Rand	0.057
RWF	Rwandan Franc	0.00069
CDF	Congolese Franc	0.00035

Settings & Assumptions

Default Conventional PMI % AnnualDefault FHA Annual MIP %Default FHA Upfront MIP %Default USDA Annual Fee %Default USDA Upfront Fee %Default Foreign National Down Payment %Default Jumbo Down Payment %Credit ScoreLiquid Reserves After Closing

Planning tool only. Verify loan qualification, mortgage insurance, loan limits, reserves, foreign-national program terms, seller-credit limits and closing costs with the lender and settlement professionals.