Tell us what you're working with
Real numbers. No guessing. We'll do the rest.
The price tag on the house you actually want.
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20% down would be
— tap to use it
This program needs at least 20% down. No exceptions. Put in more if you've got it — but not less.
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This one matters. 59½ is the line that changes how retirement assets get counted.
Your Assets
IRAs, 401(k)s from past employers, and similar accounts — anywhere EXCEPT a retirement plan at an employer you currently work for.
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Not allowed: retirement funds sitting in a plan at an employer you currently work for. If you're still on payroll there, that money doesn't count here. Roll it over first.
Cash, brokerage accounts, crypto, whatever you can actually get your hands on. Not tied to an employer.
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