Planning estimate
How this estimate works
Estimated net equity equals value less mortgage balance and selling costs. Overlap cost multiplies the current carrying cost by the selected months. It does not include bridge/HELOC interest, taxes on the new home or market-value changes.
Before you act on the result
This tool is educational and does not evaluate credit, income documentation, assets, reserves, property eligibility, program limits or current pricing. It is not an approval, rate quote, commitment to lend or Loan Estimate. Use current lender terms and verified property information for a real decision.
Frequently asked questions
Does estimated equity equal cash available?+
No. Loan payoff, selling costs, repairs, concessions, temporary financing and required reserves can reduce usable proceeds.
What overlap period should I test?+
Run several scenarios, including a longer period than expected. A plan that only works with an immediate sale is fragile.
Does the tool determine bridge-loan eligibility?+
No. It illustrates equity and carrying cost; actual equity access and qualification require a lender review.