Buyer guide
What to do before your first home tour
A little preparation helps you focus on how a home could work for your everyday life—not just how it photographs.
Read articleRichmond home decisions
Resource Center
Practical reading for the next step in buying or selling a home.
Buyer resources
Buyer guide
What to compare on two Loan Estimates
Two quotes are most useful when they describe the same borrowing scenario. Start with matching terms, then ask about differences.
Read articleQuick tips
- Write down your comfortable monthly budget before touring.
- Use the same checklist for each home.
- Ask lenders to explain differences between comparable quotes.
Seller resources
Seller guide
What to do before listing your home
A focused plan can make preparation and showings more manageable. Start with what buyers will see and what you will need to organize.
Read articleSeller guide
How to compare offers beyond the price
Price matters, but timing, conditions and costs can change how an offer fits your plans. Compare each offer using the same questions.
Read articleQuick tips
- Prioritize preparation with your agent before spending on projects.
- Secure personal documents before photos and showings.
- Compare offer terms, timing and estimated net—not price alone.
Home affordability calculator
Estimate a comfortable price range and down payment. Starting numbers are examples only — replace them with your own.
Car, student loans, card minimums
Use a quote from your lender
Check your city or county rate
Estimated home price
$265,300
- Down payment
- $13,265
- Loan amount
- $252,035
- Principal & interest / mo
- $1,593
- Property tax / mo
- $265
- Insurance / mo
- $125
- HOA / mo
- $0
- Total monthly payment
- $1,983
Keeps housing at or under 28% of gross monthly income and housing plus debts at or under 36%. Excludes mortgage insurance and closing costs. An estimate only, not a loan approval or financial advice.
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General educational information, not individual financial, legal or tax advice.