Move the sliders — your readiness score updates instantly, with every factor shown.
Your numbers stay in your browser until you ask the advisor.
Your home-purchase readiness
13 /100
Not yet ready — the factors below show exactly which lever to pull first: more savings, a lower price target, or less existing debt.
Estimates based on the assumptions above — real offers will differ.
Donut: readiness score 13 out of 100, the equal-weighted average of four factors — down payment, debt-to-income, closing-cost coverage, and emergency cushion.
Make sense of these numbers
AI readingGet a plain-language reading of your result — what looks solid, what to watch, and questions worth asking a lender.
Educational guidance, not financial advice.
How This Score Is Built
The 0-100 score is an equal-weighted average of four factors. Nothing about it is a black box — every factor gets its own tile, and the full arithmetic behind it is available to the AI advisor below.
What This Tool Does and Doesn't Do
The score is arithmetic on the numbers you enter, plus a handful of editable assumptions (the assumed mortgage rate, term, closing-cost percentage, and cushion target) shown as chips you can adjust. It runs entirely in your browser. Nothing you type is sent anywhere unless you press "Explain my numbers", and even then only the figures go, never your name or contact details.
What it can't do is replace an actual lender's underwriting. Real approval depends on your credit history, documentation, and a specific lender's own rules — this tool only tells you where your own numbers stand against common, published benchmarks.
Important: This is educational information, not financial advice. Confirm the figures with a qualified adviser or your lender before you commit to anything.
Ready to Get Started?
Request your personalized program today. Tell us about your goals and we will design a learning experience that fits your needs, schedule, and budget.