Your dashboard
A realistic path for Denver, CO
Your target home is a little ahead of your current comfort zone. A slightly lower price point would create a healthier monthly budget.
Rent vs buy
Renting a bit longer is the smarter move today. You will keep more flexibility while improving savings and affordability.
Move Out Score
Promising
This score estimates how comfortably you can cover solo-living costs and still keep a buffer.
Home Readiness Score
Needs work
This score blends your savings progress, affordability, debt profile, emergency cushion, and 700-759 credit range.
Time to down payment goal
4 years 11 months
Based on your current savings and what you are putting away each month.
What improves this fastest?
Every additional $100 per month you save trims your time to goal by about 7 months in this demo.
Milestone unlock
You have already covered 29% of the upfront cash target. Getting above 50% is where plans usually start feeling much more tangible.
Cost
$2,753
Estimated monthly mortgage
Principal and interest only, using a mocked rate adjusted by credit range.
Budget
$4,007
Full monthly ownership cost
Includes mortgage, taxes, insurance, maintenance, HOA, and PMI when applicable.
Cash
$61,750
Estimated cash needed upfront
Down payment plus closing costs before move-in.
Income
$171,722
Recommended salary
Annual gross salary estimate for a more comfortable affordability target.
Savings timeline
Your path to a down payment
Based on your current savings and monthly savings pace.
Start
25% funded
50% funded
Sep 2027
75% funded
Jun 2029
Goal reached
Feb 2031
At your current pace, you could reach your down payment goal by Feb 2031.
Next milestone: 50% funded by Sep 2027.
Monthly ownership breakdown
What owning would really cost
Mortgage
$2,753
Property tax
$241
Insurance
$143
Maintenance
$475
HOA
$110
PMI
$285
Upfront cash details
Down payment
$47,500
Closing costs
$14,250
Best next steps
Move 1
Lower your target home price by 8-12% so the monthly payment lands in a more comfortable range.
Move 2
A shared-rent stretch could free up extra monthly cash and speed up your down payment progress.
Move 3
Focus on reaching the first 35% of your upfront cash target so the plan starts feeling real and measurable.