Property Decision Desk

Affordability & Qualifying

Down Payment Runway

Months to your down payment at your current saving pace — with prices moving.

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Educational estimate only. Not financial, tax, lending, or real-estate advice. Markets, taxes, and local conditions vary.

How to read this decision

Down Payment Runway makes what you can carry without becoming house-poor concrete instead of a guess. Months to your down payment at your current saving pace — with prices moving.

The math runs locally in your browser with no signup, so you can test assumptions freely and compare runs in seconds.

Methodology & next steps

This tool runs entirely in your browser. Change one input at a time, compare scenarios, and export the report before you talk to an agent or lender.

  1. Start with realistic income, price, rate, and cost assumptions for your market.
  2. Use presets or Snapshot as B to stress-test a second path.
  3. Read the verdict, charts, and schedule — then verify taxes, insurance, and comps locally.
  • Copy report or Print / PDF for a shareable decision page.
  • Save scenarios on this device or copy the share link in the address bar.
  • Export CSV/JSON when you want numbers in a spreadsheet.

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About Down Payment Runway

What does Down Payment Runway show?

Months to your down payment at your current saving pace — with prices moving. It focuses on what you can carry without becoming house-poor, so you can compare realistic paths instead of a single optimistic listing photo.

What inputs does Down Payment Runway need?

Provide the requested prices, rates, and time horizon, then run the tool. Change a single input between runs to isolate what actually drives the outcome.

Is Down Payment Runway free?

Yes. Down Payment Runway is free, needs no account, and runs entirely in your browser — your inputs are never uploaded.

Is this financial or real estate advice?

No. Down Payment Runway produces educational estimates only. Markets, taxes, lending rules, and local conditions vary, so confirm big decisions with a qualified professional.