Step 1
Your Financial Picture
Monthly Income
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$
$
Total Monthly Gross Income
$0
Your Vehicle — The Hidden Cost
The car payment that blocks a house. Every $100/month in car payments reduces your mortgage eligibility by roughly $20,000. Enter your car loan below and the cash alternative you could have chosen — you’ll see the exact cost in your results.
Your Current Car Loan
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$
%
vs
The Alternative
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This is the reliable used car you could have bought outright. Adjust to match your situation. You’ll see how this single choice affected your mortgage eligibility.
Other Debts
Add credit cards, student loans, personal loans, and any existing mortgage. Don’t include the car loan above.
Your Payment Approach
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This is applied on top of all minimum payments. Even $50/month accelerates payoff significantly.