The single-page Move-up Report. Sale of your current home, after-tax proceeds, cash needed for the new home, surplus or shortfall, new monthly PITI, new DTI qualification check — all from one input form. The conversation your realtor has with you at the kitchen table, on paper.
All inputs stay in your browser. Edit any field to update the report instantly.
Where the after-tax proceeds from the sale go to work.
The numbers below were generated from these inputs. Change any variable above and the report rebuilds automatically.
Sale price down to the wire transfer. Every cost line-itemed.
Federal $250K (single) / $500K (MFJ) exclusion on gain from a primary residence — the most valuable tax break most homeowners get.
Down payment is the big number, but closing costs and recommended reserves usually add another 5-7% of the purchase price.
This is the conversation. After-tax proceeds from selling the current home, applied to the cash needed for the new home. Surplus = freed cash. Shortfall = additional cash you'll need to bring (savings, gift, bridge loan).
Principal & interest, taxes, insurance, PMI if applicable, HOA. The number that actually leaves your account.
Lenders look at front-end (housing only) and back-end (housing + all other debt). Conventional loans target 28% / 36%; many push to 43%; FHA can go to 50%.
The math points the discussion in a direction. Your licensed broker, lender, attorney, and CPA convert it into an action plan.
⌂ Equal Housing Opportunity. The Baratelli Institute supports the principles of the Federal Fair Housing Law and the Equal Credit Opportunity Act. Lenders, mortgage brokers, and real estate professionals advertising or referencing this report are required to comply with the Fair Housing Act, ECOA, and applicable state real estate advertising regulations.
Educational tool — not advice. This is a decision-support tool combining sale-side and buy-side estimates. It is not an offer to lend, an interest-rate quote, a tax opinion, or a market valuation. §121 outcomes depend on your full return; new-loan eligibility, rate, and terms are set by your lender at lock based on full underwriting. Confirm with your broker, lender, attorney, and CPA before listing or making an offer.