Move-Up Buyer Calculator
Selling one home and buying the next. Net proceeds after selling costs and loan payoff, the new payment, and an honest read on what giving up a low locked-in rate costs you.
Current Home
Estimated current market value.
Your current PITI or P&I payment — used for the before/after comparison.
Agent commissions + closing costs. Typically 5–6%.
New Home
Leave at $0 if no HOA.
Down Payment Source
Net Proceeds from Sale
$143,000
Today → After You Move
Today
$2,100/mo
Current payment
/mo
After You Move
$4,164/mo
New total payment
New Monthly Payment Breakdown
Payment Change
+$2,064
+98.3% higher
New LTV
78.0%
Down Payment
$143,000
22.0% of price
Sale Proceeds Summary
This calculator provides estimates for planning purposes only. Actual sale proceeds, closing costs, and mortgage terms will vary. Work with a real estate agent and licensed loan officer for accurate figures.
The short answer
Should I sell my house and buy a bigger one?
The deciding factor is usually the rate you would give up. Trading a 3% mortgage for a current-market rate can raise your payment sharply even when you have substantial equity. This calculator shows net proceeds after selling costs and payoff, the new payment, and the cost of losing the old rate.
Run your numbers with us
A calculator gives you an estimate. A conversation gives you the number you can actually plan around — David and Bri will walk you through it down to the decimal.