Home buying decision tool
Know what you can afford, compare options, and move forward with confidence.
HomeDecisionTool blends affordability insights, scenario comparisons, and a clear action plan—all in one calm workspace. No jargon, no pressure.
Free. No credit card.
Decision Snapshot
Track your affordability, compare options, and keep a steady action plan.
Designed for calm
Warm neutrals, soft shadows, and simple workflows to reduce decision fatigue.
Who it's for
If any of these describe you, you're in the right place.
How it works
Build your profile
Share your household, income, debts, and goals in a few minutes.
See your affordability
Get a clear view of what you can afford and compare scenarios side by side.
Follow your action plan
Work through grants, funding moves, and next steps at your own pace.
Built from real buyer workflows
Founder notes
“I built this because home-buying decisions get noisy fast. This keeps the next step obvious.”
Founder — HomeDecisionTool
Founder notes
“The goal is clarity—not pressure. Compare scenarios and move forward with confidence.”
Founder — HomeDecisionTool
Founder notes
“Your numbers and options should feel understandable in minutes, not hours.”
Founder — HomeDecisionTool
See it in action
A peek at the kind of snapshot you'll build—no login required.
Sample Decision Snapshot
PreviewProfile summary
Location: Sample City, CA
Household: 2 · Income: $95,000/yr
Monthly debts: $450
Affordability
Budget: ~$2,217 / mo
Max price: ~$380,000
Scenario comparison
| A | B | |
|---|---|---|
| Monthly payment | $2,100 | $1,850 |
| Cash to close | $45,000 | $52,000 |
| Commute | 25 min | 18 min |
| Risk flags | None | Flood zone |
Next actions
- Check grants
- Confirm property taxes
- Get inspection quote
- Compare lender options
- Schedule tour
What you'll get
Know your true budget
See what you can afford based on your income and debts—with clear guidance and no surprises.
Compare scenarios confidently
Run buy vs rent, different down payments, or financing types side by side and pick the best fit.
Move forward with a plan
Track grants, funding steps, and action items in one place so you stay organized.
What you'll calculate & compare
Quick estimates that help you decide what to do next.
- Monthly payment range
- Cash-to-close estimate
- Debt-to-income indicator
- Down payment scenarios
- Buy vs rent comparison
- Grant checklist
Frequently asked questions
Is HomeDecisionTool really free?
Yes. You can create an account, build your profile, run affordability and scenario comparisons, and use the action plan at no cost. We don't require a credit card.
Is HomeDecisionTool a lender?
No. We're an educational and planning tool. We don't lend money or sell mortgages. We help you understand your options so you can make confident decisions.
How does HomeDecisionTool use my data?
Your data stays private and is used only to personalize your affordability and scenarios. We don't sell your information. See our privacy policy for details.
Do you support Islamic financing comparisons?
Yes. You can compare conventional and Islamic-compliant financing options in your scenarios. These are planning estimates—always verify terms with your lender.
Can I export or print my snapshot?
Export and print are on our roadmap. For now, you can use your browser's print function to save a copy. We're working on dedicated export options.
Do you store my data? Can I delete it?
Yes, we store your data to power your affordability and scenarios. Your data is private and not sold. You can delete your account and data anytime from settings.
Do you work in all U.S. states?
Yes. Our affordability and scenario tools work in all 50 states. Grant programs and local resources may vary by location.
How accurate are the estimates?
Our estimates are for planning only—they're based on common rules of thumb and your inputs. Actual rates, terms, and costs depend on your lender and situation, so always verify with them.
Can I compare multiple properties?
Yes. You can create multiple scenarios (e.g., different homes, down payments, or financing types) and compare them side by side to see what works best for you.
Estimates for planning only — verify with your lender/agent.
Not a lender. No sales pressure.
Ready to get clarity on your home journey?
Free. No credit card.