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phase 02
build your cash plan.
Turn vague anxiety about money into a specific target and a specific gap. Then decide how you close it.
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more moves in this phase
Not everyone needs these. Add one when it's the actual next move.
- Estimate your down payment for the loans you might use
- Estimate closing costs
- Add up the money due BEFORE closing day
- Add inspection costs
- Add appraisal cost (when the lender collects it upfront)
- Add moving and immediate move-in costs
- Decide how much savings you refuse to drain
- Set your working cash-to-close target
- Enter the cash you have accessible for this purchase
- Check for gift-fund sources
- Check down payment assistance you might qualify for
- Check whether retirement or investment assets could help
- Review any other sourced funds
- Calculate your cash gap
- Build a realistic plan to close the gap