Run your own Move-Up Math.

Step 1: list what you owe. Step 2: see what a sale could pay off. Step 3: compare your payment today with a new home, including a temporary buydown. Nothing is saved or sent. It all stays on your screen.

Step 1

Your monthly debt schedule today

Balance, rate and years left for each debt. Tick interest-only for a HELOC in its draw period.

Step 2

If you sell and move

Your numbers go in the boxes. Selling costs vary, so enter your own estimate.

What your home could sell for ($)

Estimated costs of sale ($)

Price of the home you want to buy ($)

Rate on the new loan (%)

Temporary buydown funded by a seller credit

Loan length (years)

Read it straight. A temporary buydown lowers your payment for the first one to three years only. After that the payment is the full-rate number. Paying off debt with home equity trades short-term debt for a long loan, so check what you pay in interest over time. This worksheet is education, not a loan offer or advice. Ask a licensed lender about your own situation.

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