Home Purchase & Sale Planner — The cash you need at closing, not just the price.
The down payment, lender fees, inspection, appraisal and closing costs in one budget, and every step from pre-approval to the keys on one timeline.
- Free to start
- No sign-up to try
- Plan together
Everything in one plan
The houses, the lender, the inspection and the closing date usually live in four places. Here they’re one.
Includes a home-buying checklist.
Idea board
Keep the houses and the decisions together.
The one on Maple with the flat roof, the one on Linden that needs a bathroom, the credit union’s rate, the sewer scope. Save each with a photo, a price and a note, and pass on the ones that don’t add up.
“Credit union instead of the bank”An idea on the board of the “First home” example
- Houses, lenders and inspections on one board
- Track each one: considering, researching, contacted, shortlisted
- Pass on the ones that won’t work, without losing them
Idea board 1/2
Budget
Know your cash to close.
The down payment, the lender’s fees, the inspection, the appraisal, title, taxes and the movers, priced for your price band and loan — each one quoted, scheduled, done or paid.
$59,400 · Loan & down payment $49,000 · Closing costs $7,000 · Moving $2,200 · Inspections & appraisal $1,200The “First home” example’s budget
- Down payment, lender, title and taxes
- Quoted, scheduled, done and paid
Budget 1/2
Timeline & checklist
From pre-approval to the keys.
Pre-approval, the offer, the inspection and appraisal windows, the rate lock, the wire instructions and the final walkthrough — each with the week to do it by, counted back from closing.
Make an offer & sign contract · DoneThe “First home” example’s checklist
- Contingency deadlines you can’t miss
- Verify the wire before you send it
Checklist 1/2
Recommendations
The right people near the house.
Agents, lenders, inspectors, title companies and insurers near where you’re buying, and guides on first-time buyer programs and the steps from offer to closing. Open one and it lists real places near you, with ratings and addresses.
Recommend home inspectors near RaleighIn the “First home” example’s recommendations
- Agents, lenders, inspectors and title
- First-time buyer programs
Local picks, opened 2/2
About the Home Purchase & Sale Planner
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.
Related calculators
Other planning tools that pair well with the Home Purchase & Sale Planner.
Photos by Hannah Bechtel and Robin Jonathan Deutsch on Unsplash.