Nashville Buyer Education

What Can You Actually Afford?

A real, honest look at your purchasing power.
Plus, see how taking advantage of seller credits in this market can go a long way.

Step 1 · Start Here

Your Affordability

$
At 10% down on your max purchase price, you'd need — in cash just for the down payment. See full cash-to-close breakdown below.
Current: —
Max Purchase Price
—
at your target monthly payment
Est. Monthly Payment
—
Est. Cash to Close
—
Buydown benefit:
See monthly payment breakdown
Principal & Interest—
Property Taxes ?—
Homeowners Insurance—
PMI ?—
Total monthly—
See cash-to-close breakdown
Down payment —
Closing costs estimate ?—
Net cash to close (estimate)—

Numbers update instantly as you adjust inputs. Cash-to-close is a baseline estimate — actual totals vary by lender, property, and market conditions.

Step 2 · See How Seller Credits Work

The Permanent Rate Buydown Move

A seller concession used to permanently drop your rate by one full percent for the entire 30-year loan (e.g., —). Using the same 3% seller concession amount as a temporary buydown - very different math over time.

$
Same Payment
→ More House
+—
in purchase price
At the same monthly payment, the — rate lets you buy — more home than the — base rate.
Same Price
→ Lower Payment
−—
per month
On the same purchase price, the — rate saves — over the first year alone, and — over the life of the loan.

All scenarios use the same assumptions as Step 1: 10% down, Davidson County taxes, insurance, and PMI, assuming a 30-year amortization.

Ready for the next step?

Discover Homes in Your Price Range

Start your own personalized home search collection based on your affordability range, preferred areas, must-haves, and more.
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P.S. This includes off-market deals you won't find on Zillow or anywhere else.
Brett Hickey

Brett Hickey

Real Estate Advisor with Compass RE | Helping Nashville families buy with confidence.

Visit bretthickeyrealestate.com →