THE NEGOTIATION ROOM / 01

The price is a number.
The deal is a picture.

Put two options next to each other. See how credits, costs, financing and timing change the dollars you bring—or keep.

Start with your figures. Complete every field, using 0 where a cost does not apply. Calculations stay on this page and clear on reload.

Option APurchase price ($)The price under this scenario.Down payment ($)Down payment before any credits; not a percentage.Interest rate (%)Your assumption or lender quote—not a live rate. Enter 0 for a cash purchase.Loan term (years)Use 30 for a cash scenario; no loan payment will be calculated.Other monthly housing costs ($)Total taxes, insurance, mortgage insurance, HOA, utilities and maintenance reserve.Closing costs and prepaids ($)Total before the credit below; include any buyer-broker amount you would owe.Usable credit assumed ($)Enter only the amount you expect to apply to these costs; lender approval is separate.Deposit already paid ($)Earnest money that will be credited at closing.Terms, deadlines and open questions

Option BPurchase price ($)The price under this scenario.Down payment ($)Down payment before any credits; not a percentage.Interest rate (%)Your assumption or lender quote—not a live rate. Enter 0 for a cash purchase.Loan term (years)Use 30 for a cash scenario; no loan payment will be calculated.Other monthly housing costs ($)Total taxes, insurance, mortgage insurance, HOA, utilities and maintenance reserve.Closing costs and prepaids ($)Total before the credit below; include any buyer-broker amount you would owe.Usable credit assumed ($)Enter only the amount you expect to apply to these costs; lender approval is separate.Deposit already paid ($)Earnest money that will be credited at closing.Terms, deadlines and open questions

THE MONEY, SIDE BY SIDE

Estimated buyer costs
Comparison	Option A	Option B
Remaining cash to close	—	—
Principal & interest / month	—	—
Total monthly costs entered	—	—
Loan amount	—	—

Complete both options with valid, non-negative amounts to compare. For buyers, down payment cannot exceed price, credits cannot exceed entered closing costs, and the deposit cannot exceed the remaining purchase cash requirement.

Fixed-rate payment illustration only. It is not a Loan Estimate, APR calculation or approval. A credit cannot automatically fund a down payment or reserves. This tool does not test lender limits or eligibility. A better number does not settle the decision: financing, contingencies, condition, timing and enforceable terms still need review.

Review my options with Enrique ↗

What should you negotiate?

Start with the constraint that matters: available cash, sustainable monthly cost, net proceeds, moving dates or certainty. Then ask which contract terms can address it. Enrique brings real estate and mortgage experience to this comparison, with financing decisions confirmed by your selected lender.

Read the financing and negotiation guide →