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BRYCKS

◣ True cost of ownership

Before you tour it,
know what it really costs.

Run the full monthly cost, cash-to-close, and readiness check before a listing becomes your problem. Free. No login. 50 states.

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50 STATES · FIRST X-RAY FREE · NO LOGIN REQUIRED · ~30s

◣ A sample x-ray

TX · AUSTIN

Sample · 78704

$750,000 listing

SAMPLE

Typical listing estimate $4,440/mo

+$1,582/mo

real monthly cost vs. typical listing estimate

Real monthly: $6,022

Cash to close

Down paymentYour input
YOU ENTERED$150,000
Closing costsState avg %
MEDIUM$15,000
Prepaid property tax~3 months
MEDIUM$3,150
Prepaid insurance~12 months
MEDIUM$2,933
Inspection$500 typical
EST. RANGE$500
Appraisal$600 typical
EST. RANGE$600
Total cash to close$172,183

Your savings$220,000

Remaining after close$47,817

MODERATE

Reserves30 / 30
DTI0 / 30
Down payment20 / 20
Liquidity10 / 10
Rent delta0 / 10

YOURS WILL LOOK LIKE THIS — WITH YOUR HOME'S NUMBERS

Before you tour it, know what it really costs.

Real monthly cost of any home, in ~30 seconds. 50 states. Free first x-ray.

50 STATES · FIRST X-RAY FREE · NO LOGIN REQUIRED · ~30s

Home price

State

Down payment — 20%

$160,000 · LTV 80%

Mortgage rate (bps — e.g. 685 = 6.85%)

Loan term

15 yr30 yr

HOA monthly

Annual property tax (override)

Annual home insurance (override)

Listing's monthly estimate (optional)

If you saw a $/mo on the listing, enter it for a real comparison.

Personal finances (for readiness score)

Annual household income

Monthly debt payments

Current rent (monthly)

Savings (cash on hand)

Monthly savings rate (optional)

Typical listing estimate $4,848/mo

+$1,646/mo

real monthly cost vs. typical listing estimate

Real monthly: $6,494

Cash to close

Down paymentYour input
YOU ENTERED$160,000
Closing costsState avg %
MEDIUM$32,000
Prepaid property tax~3 months
MEDIUM$3,580
Prepaid insurance~12 months
MEDIUM$1,380
Inspection$500 typical
EST. RANGE$500
Appraisal$600 typical
EST. RANGE$600
Total cash to close$198,060

Your savings$0

Remaining after close-$198,060

⚠ After close: less than 2 months of monthly cost. Most lenders want at least 2.

AT RISK

Reserves0 / 30
DTI0 / 30
Down payment20 / 20
Liquidity0 / 10
Rent delta0 / 10

How to strengthen your readiness

You're $237,022 short of a 6-month cushion. Set a monthly savings target so this gets concrete.
Your DTI sits at 100%. Getting under 36% gives you better rates and less month-to-month stress — pay down debt or look at homes about $649 cheaper per month.

What if you wait?

Adjust appreciation and rate. Math runs against your same inputs.

Appreciation: 4.0% APRRate change: +0 bps

Wait 6 months$7,017/moCostlier by $523/moScore 10 · AT RISK
Wait 12 months$7,170/moCostlier by $676/moScore 10 · AT RISK
Wait 18 months$7,326/moCostlier by $832/moScore 10 · AT RISK
Wait 24 months$7,485/moCostlier by $991/moScore 10 · AT RISK

EST. RANGE — appreciation and rates are forecasts, not guarantees

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◣ Legal

BRYCKS is an educational estimate, not financial, tax, lending, or real estate advice. Your actual costs depend on your lender, property, insurance, taxes, and closing terms. Consult qualified professionals before making purchase decisions.

Property tax shown uses the state average rate. Actual taxes vary by county, city, school district, and exemptions. Insurance and closing cost estimates are state averages. All assumptions are visible and editable.

Before you tour it,know what it really costs.

Cash to close

Readiness score

Before you tour it, know what it really costs.