Buying or selling a home is a transaction with a hard date, and most of its costs cluster around it. This planner anchors everything to closing day: inspections, the appraisal, lender fees, documents, and the final walkthrough before it; moving and utility setup after it. Costs scale by your price band, and the down payment carries an earnest-money-plus-balance schedule that mirrors how the money actually moves.
It works for buying, selling, or refinancing — each seeds the lines that transaction actually has. Edit every line in place against your real quotes, work the document checklist, and save, share, or export to CSV or PDF.
What you can do
- Buying, selling, or refinancing — each with its own cost lines
- Closing day anchors the timeline: diligence before, moving after
- Costs scale by price band; earnest money + balance on the down payment
- Inspection, appraisal, and document checklist with deadlines
- Save, share, CSV, and PDF export
Frequently asked questions
What does buying a home cost beyond the down payment?
Plan for inspections, the appraisal, lender origination fees, title and escrow charges, prepaid taxes and insurance, and the move itself. Together they typically add 2-5% of the price on top of the down payment — the planner seeds each as its own editable line.
What if I am still saving up rather than buying yet?
This planner budgets the transaction itself — the costs and deadlines between an accepted offer and moving in. To build the cash pile over the months or years before you shop, use the Savings Plan: set the cash-to-close figure this planner gives you as the target, put your closing date in as the deadline, and it works out the monthly contribution.
Ready to plan?
The Home Purchase & Sale Planner runs entirely in your browser. Free, no sign-up required to use it.
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