Buy Before Selling Home Hub
Free & Educational

Buy-Before-You-Sell Calculator

Model the equity in your current home, the likely net proceeds, the cash you could carry into a next purchase, and the temporary two-home payment exposure.

What this planner estimates

Selling your current home is a common way to fund an assumable-mortgage equity gap or a next purchase, but sale proceeds only become available when the sale closes. This planner shows illustrative gross equity, estimated sale proceeds, potential funds available, and what a two-home stretch payment looks like. It does not determine loan qualification.

EDUCATIONAL PLANNER, NOT AN APPROVAL

Map Both Transactions

Values below are your estimates, not an appraisal or a lender qualification.

Current Home

$
$
$

Including commissions, concessions, title, escrow, transfer costs and any payoff prepayment items.

Available Cash & Next Home

$
$
$
$

Two Payments While You Own Both

$
$

Your Estimated Plan

Illustrative gross equity $250,000
Estimated sale proceeds (value minus payoff minus costs) $220,000
Potential funds available at the new purchase $270,000

Potential temporary two-home payment

$5,200

per month while you own both homes

Estimated total over 3 months: $15,600

Funds remaining after the plan

$0

Available cash plus estimated proceeds minus down payment, closing costs and the two-home payments shown.

This is an educational planner, not a loan qualification, appraisal or sale estimate. Values vary with the market, condition, timing and lender underwriting.

This planner does not determine loan qualification.

Sale proceeds depend on the final contract price, concessions, costs and the payoff at closing. Qualification for a next mortgage depends on credit, income, debt, assets, the property and current underwriting requirements. Bridge financing, HELOCs and simultaneous closings have their own eligibility rules. There is no guarantee of financing, approval, sale price, or timing.

Have equity but don't want to sell first?

Ask Lisa to build a buy/sell timing plan that matches your equity, your next purchase, and the real market pace for your current home.

Ask Lisa to Build a Buy/Sell Timing Plan Read the Buy-Before-Selling Guide

Buy Before Selling Home Hub

The complete buy-first vs. sell-first guide.

What Is a Bridge Loan?

Access equity before the current home closes.

Can You Buy Before Selling?

Strategies when you buy first.

Sell House Before Buying?

The other side of the order question.

Home-Sale Contingency

When the purchase depends on your sale.

Using Sale Proceeds for an Assumable Mortgage

Funnel sale equity into a low-rate assumption.