Buy a Home Together

Calculate your group's down payment, closing costs, mortgage payment, monthly expenses and future maintenance savings.

🏘️ Multifamily Home

A duplex, triplex, or fourplex — each person gets their own unit.

🚪 How many units?

Duplex = 2, triplex = 3, fourplex = 4

FHA and conventional loans can cover 2–4 unit properties as long as one buyer lives in the property. Any unit your group doesn't live in can be rented out.

👥 How many people are paying?

🏷️ Property purchase price

Enter any property price you want to test — you can change it anytime.

Loan type

Down payment: $0 (3.5% of price)

Mortgage rate

Mortgage term

yrs

💵 Estimated upfront costs

Everything your group pays before owning the property. These are planning estimates — tap any number to change it.

Enter a purchase price to see the full upfront-cost breakdown.

⏳ Time to Save

Monthly savings per person

Enter a monthly savings amount to calculate your timeline.

🏡 Each person's monthly cost

Group total: $0/mo · Includes the housing payment plus $250/mo for future repairs. Add gas, water and electricity in the monthly breakdown above.

Splits shown are even across 0 people. If rooms differ in size or incomes vary, agree on custom shares outside this tool.

Rough estimates for educational purposes, not guarantees. Mortgage approval is not guaranteed, and co-borrowers may be responsible for the full loan.