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Home Purchase Analyzer

Full-cost clarity for buying near Jewish communities

Model monthly payments, closing cash, tuition and shul adjustments, rent-vs-buy break-even, and stress tests across borrowing scenarios—no spreadsheets required.

3 scenarios side-by-side
Alerts for high DTI / cash risk
Shul + kosher + tuition baked in
Break-even vs renting with rate shocks

Inputs

Tune the numbers and we'll rebuild the dashboard instantly.
Home & Loan
Target purchase price before credits.
We'll flag PMI when below 20%.
Base note rate. Scenario 2 applies a buydown; Scenario 3 uses a 15-year sprint.
Scenario cards will apply their own term if specified.
Taxes, Insurance, Closing
Annual property tax rate. Adjust per community.
Base hazard / homeowners policy estimate.
Excludes optional points; we add them in scenarios.
Monthly Holding Costs
We allocate this monthly (e.g., 1% = $625/mo on $750k).
Jewish Life Adjustments
Extra vs. non-kosher grocery baseline.
Optional cushion for yeshiva/day school.
Rent Alternative & Stress
Applied to the stress scenario.
Borrower Profile
Student loans, auto, cards (min), etc.
Community Presets
Applies local taxes/insurance/fees; adjust as needed.

Scenarios

1) Standard (your rate/term) 2) Rate buy-down (1 point, -0.50%) 3) 15-year sprint (-0.75% rate)
Standard Moderate payment
$0
All-in monthly (PITI + HOA + maintenance + Jewish-life + PMI if applicable)
Cash to close $0
Lifetime interest $0
Est. APR 0%
Front / Back DTI --
Principal + Interest $0
Taxes + Insurance$0
HOA + Utilities$0
Maintenance reserve $0
Jewish-life add-ons $0
PMI (drops) $0
Rate Buydown 1 point cost, -0.50% rate
$0
Adds buydown fee to closing; lowers monthly payment.
Cash to close $0
Lifetime interest $0
Est. APR 0%
Front / Back DTI --
Principal + Interest $0
Taxes + Insurance$0
HOA + Utilities$0
Maintenance reserve $0
Jewish-life add-ons $0
PMI (drops) $0
15-Year Sprint Higher pay, faster payoff
$0
Assumes 15-year term and -0.75% rate vs your base.
Cash to close $0
Lifetime interest $0
Est. APR 0%
Front / Back DTI --
Principal + Interest $0
Taxes + Insurance$0
HOA + Utilities$0
Maintenance reserve $0
Jewish-life add-ons $0
PMI (drops) $0
Rate shock (+1%)
Rate relief (-1%)
Tax jump (+10%)

Rent vs. Buy Break-even

Compares renting vs owning (net of principal). Closing costs are added to ownership cost; principal counts as equity gained.

Break-even month --
Annual rent after growth --
Owner net cost (Year 1) --
Equity built by break-even --
APR vs. Rate

APR blends your interest rate plus certain loan costs (e.g., points, some lender fees) spread over the loan term.

Why it matters: Use APR to compare offers; use rate to model payment.

Points & Buydowns

1 point = 1% of the loan amount. Paying points lowers the rate. Break-even is the months it takes monthly savings to repay the cost.

PMI (Private Mortgage Insurance)

Applies when you put < 20% down. It usually drops automatically around 78% LTV; we estimate the drop month for you.

Escrow & Reserves

Lenders often collect taxes/insurance monthly plus 1-3 months upfront at closing. Add a buffer if your market requires it.

Maintenance Buffer

A 1-2% annual reserve keeps you from swiping cards for boilers, roofs, or Yom Tov hosting upgrades.

Safety rails

Front-end (housing) ideally ≤ 32% of gross. Back-end (housing + other debts) ideally ≤ 43%. We'll flag when you push those limits.

Community signal

Presets add shul dues, kosher premium, and local tax/insurance assumptions. Always confirm with a local rav, realtor, or lender.

What to watch

Closing cash too tight? Consider seller credits toward rate buydown. Payment shock too high? Try 15% down + lender-paid PMI or a 15-year only if cash flow is strong.

Next steps

  • Get two lender quotes with itemized fees to sharpen APR.
  • Ask about tax escrows and PMI removal dates in writing.
  • Confirm HOA rules for Shabbos, sukkah, and mezuzah.
  • Price nearby shul dues and tuition to refine add-ons.

Stress-test ideas

  • Run +1% rate, +10% taxes, and 15% maintenance.
  • Model one-income drop for 3 months—do you survive?
  • Check furnishing/move-in costs: appliances, mezuzos, eruv.
  • Set aside 1 month of PITI for every 10% down you put.

Community costs

  • Shul building fund or pledges (one-time / annual).
  • School registration and busing differences per zip.
  • Yom Tov travel if family is out of town.
  • Eruv/mikvah fees and local kosher pricing swings.