BUY YOUR NEXT HOME

Compare 3 ways to buy your next home.

Sell first, buy first, or keep your current home. See how each path may affect your available cash, payment overlap, reserves, and timing before you decide.

Compare my 3 options

A couple assembling furniture together in their new home

A couple enjoying time together in their kitchen

YOUR NEXT HOME, YOUR NEXT SEASON

The goal is not always more house. It is a home that fits better.

For some homeowners, the next move means fewer stairs, less upkeep, a better layout, or more freedom for the people and experiences that matter now.

Whether you want more room or less to manage, let’s compare your options.

NEXT HOME PLANNING LAB

Compare the 3 paths.

These estimates compare 3 possible paths. They are a starting point for a clearer conversation, not a lending decision.

Good to knowYou do not need perfect numbers or a fully formed plan. A few thoughtful estimates can help us see where your options begin.

About 90 seconds3 short stepsYour snapshot updates as you go

Your current home

What you own today

Estimated home value$Mortgage balance$Current monthly payment$Available savings$

Your next home

What you are considering

Target purchase price$Payment you would like to stay near$Monthly housing payment including taxes, insurance, and HOADesired timing

Adjust planning assumptions20% down · 7% selling costs

Planned down payment%Estimated selling costs%Editable planning estimate

If you might keep it

$3,300/mo rent · $450/mo expenses

Expected monthly rent$Monthly rental expenses$Maintenance, vacancy, management, HOA

Your numbers are already updating.

Nothing is being submitted. When you are ready, see the three possible paths side by side.

See my 3-path snapshot

YOUR 3-PATH SNAPSHOT

You may have more than one workable path.

There may not be one perfect answer. There may be more than one path that could work.

Based on a 1–3 months timeline and the planning estimates above.

Sell first

Prioritizes liquidity and removes the temporary payment overlap.

Projected sale proceeds: $244,500
Estimated cash for purchase: $185,625
Estimated cushion after purchase: $133,875

Tradeoff to considerWhere you will live if the sale and purchase do not line up.

Buy first

Prioritizes control over the move, with a period of financial overlap.

Cash needed before sale: $185,625
Possible cash gap: $110,625
Target combined housing payments: $7,550/mo

Tradeoff to considerHow long you could comfortably carry both payments.

Keep + convert

Preserves the asset and equity, while adding landlord responsibilities.

Estimated rent: $3,300/mo
Estimated rental cash flow: $400/mo
Target monthly out-of-pocket housing costComfortable new-home payment + any current-home costs not covered by rent: $5,100/mo

Cash-flow estimate only. Mortgage qualification may treat rental income and the existing mortgage differently.

Tradeoff to considerQualification, vacancy, repairs, and whether being a landlord fits.

THE IMPORTANT PART

The right structure depends on more than the math.

Timing, reserves, qualifying income, and your comfort with temporary payment overlap all matter. This is where we talk through the options together before you decide.

What we would pressure-test together

How much reserve remains
How long payment overlap could last
Whether projected proceeds are realistic
How income qualification affects each path

QUESTIONS WORTH ASKING

A few things repeat buyers often want to know.

Can I buy my next home before my current home sells?

Possibly. The workable structure depends on available cash or equity, qualifying income, reserves, timing, and how comfortable you are carrying both housing payments for a period of time.

Do I have to sell first to use my home equity?

Not always. Depending on your situation, a home equity line, bridge-style financing, retirement assets, or another source may help create purchase funds before the sale. Each option has different costs and qualification requirements.

What if I am a first-time seller?

That is exactly when sequencing deserves extra attention. Selling and buying involve separate deadlines, moving plans, financing decisions, and market conditions. Seeing the whole move together can prevent avoidable pressure.

Can I keep my current home as a rental?

Potentially. Expected rent, operating expenses, vacancy, landlord responsibilities, equity goals, and the way rental income is treated for mortgage qualification all need to be considered.

BRING ME THE WHAT-IF

Bring the what-if. Leave with a plan you understand.

You do not need the perfect question or a polished plan. Tell me what you are considering, and we’ll connect the numbers to the payment, reserves, timing, and flexibility you want.

Want the quickest answer? Call or text me. I’m happy to help.

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More of a calendar person?Schedule a Discovery Call

Read: 3 Ways to Buy Before You Sell