the tool bench
One sharp number at a time.
Each of these answers a single question buyers actually face, with the arithmetic shown. When one number turns into a whole offer, the builder takes over.
- what does winning costEscalation clause calculatorThe escalated price your clause would land on, and what it costs monthly and in cash at closing, all the way to your cap.
- what does a low appraisal forceAppraisal gap calculatorThe lender caps your loan at the appraised value. This computes the real extra cash a gap forces, not the myth.
- what does the wire needCash to close calculatorTotal cash needed versus the wire itself: down payment, closing costs, earnest money, and credits in one breakdown.
- credit now or price cut foreverConcessions vs price reduction calculatorRuns the same dollar amount as a seller credit and as a price cut, side by side, and finds the break-even month.
- when does the buydown pay offMortgage points break-even calculatorCost of the points, the monthly difference between your two rate quotes, and the month the buydown breaks even.
- the whole offerOpen the builderEvery number on this bench, plus the ones between them: your full offer, structured, priced, and printed for your agent.
estimates, not appraisals · not legal or financial advice