True Door Price
Stack interest, taxes, insurance, maintenance, HOA, and closing costs into the real price of walking through that door.
True Cost of Owning
First-Year Cost Shock
Add closing costs, moving, furniture, and repairs to see year one's real bill.
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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
Use First-Year Cost Shock when you want to see the price behind the price tag in plain numbers. Add closing costs, moving, furniture, and repairs to see year one's real bill.
It is free, runs entirely client-side, and is built for quick what-if loops: change one input, rerun, compare.
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.
- Start with realistic income, price, rate, and cost assumptions for your market.
- Use presets or Snapshot as B to stress-test a second path.
- 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.
About First-Year Cost Shock
What does First-Year Cost Shock show?
Add closing costs, moving, furniture, and repairs to see year one's real bill. It focuses on the price behind the price tag, so you can compare realistic paths instead of a single optimistic listing photo.
What inputs does First-Year Cost Shock 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 First-Year Cost Shock free?
Yes. First-Year Cost Shock is free, needs no account, and runs entirely in your browser — your inputs are never uploaded.
Is this financial or real estate advice?
No. First-Year Cost Shock produces educational estimates only. Markets, taxes, lending rules, and local conditions vary, so confirm big decisions with a qualified professional.