Mortgage reality check
You’re about to borrow hundreds of thousands of dollars. Make sure there’s not a better way.
Most calculators ask what you can borrow. This one asks how long you’ll actually stay — because that’s what decides whether a 30-year loan is the right tool. No email, no form.
The most important question in this decision. Move it and watch everything change.
The gap between the two paths at each exit year, on these numbers. Acre comes out ahead before year nine; past it, the mortgage does.
Monthly cost
principal, interest, tax, insurance
Cash needed at the start
5% Value Share vs 20% and closing
If rates rise a point before you lock
your monthly is not rate-linked
What you hold after five years
after putting in $97,750 vs $21,250 to get here
If you move in year three
the exit is built in
Your $45,000 covers Acre's cash at the start. The mortgage path needs $52,750 more than you have saved.
The numbers behind this
Mortgage: 20% at purchase plus about 3% in closing costs, a 6.75% thirty-year fixed rate, property tax at 1% of the home’s value per year, insurance at 0.45%, and about 6% in selling costs when you exit. Acre: a 5% Value Share to start, a monthly set at about 7.45% of the home’s price per year, and you keep 90% of the appreciation on the Saver plan. Home values are illustrated at 3% appreciation per year. We illustrate homes from $100,000 to $2,000,000. Illustrative only — your terms depend on the home, the market, and your situation.
Based on what you told us
If you move after about five years, you’d have paid roughly $42,311 in closing and selling costs on this home — and about 84 cents of every mortgage payment dollar so far would have gone to interest, not to paying down the loan. A 30-year loan prices in a stay you may not make. Acre was designed for buyers who aren’t certain this is their forever home: less cash at the start, a monthly that doesn’t move with rates, and an exit that’s built in. Past year nine, the mortgage comes out ahead on these numbers — if you know you're staying, take it.
Takes about a minute. No credit check.