PA & NJ
Listing Analyzer
Analyze any listing.
Found a place on Zillow, Redfin, or Realtor.com? Paste the address and the list price, add a couple of details straight off the listing, and see the real monthly payment, cash to close, a 2-1 buydown comparison, and rent-versus-buy — every figure shown with the math, so you can check it yourself.
The Listing
Copy these straight off the page you're looking at.
Rate shown is an example — replace it with the rate you were quoted.
PMI is included automatically only when your down payment is under 20%.
Monthly payment
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Cash to close
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Estimate. Your exact cash to close is itemized on your official Loan Estimate, then finalized on your Closing Disclosure. Down payment, closing costs, and prepaids vary by program, lender, and transaction.
2-1 buydown
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A 2-1 buydown temporarily reduces your rate — 2% lower in year one, 1% lower in year two — then it returns to the note rate for the rest of the term. You still qualify based on the full note rate. The buydown cost shown is frequently covered by the seller or builder, but that's negotiated per transaction and is not guaranteed.
Rent vs. buy
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Equity figures count only the principal you pay down — real, scheduled, and verifiable. They exclude any change in the home's value and any tax effects, which depend on the market and your situation and should be discussed with your tax and real-estate advisors.
Questions about your numbers?
Talk it through with Chuck.
Chuck Donal · Senior Loan Officer · Philadelphia Mortgage Company · NMLS #194905