Between closings
The cost of two homes
If you buy before you sell, what does the overlap really cost? Month by month, next to a bridge loan.
Behind the numbers
How it works
Carrying both
Your monthly mortgage, taxes and insurance, HOA, and utilities, pool and yard on the home you are leaving, times the months of overlap.
Bridge loan
Interest on the bridge amount at your rate for the months of overlap, plus the loan fee.
The goal
Morgan’s goal is $0: a sale lined up first, a short rent-back, or closing dates negotiated to land the same week.
Adjust it
What each input means
| Monthly costs | Mortgage, taxes and insurance, HOA, utilities, pool and yard. |
|---|---|
| Months of overlap | 0 to 6. |
| Bridge amount, rate and fee | From your lender’s quote. |
When to use it
Made for
- Deciding whether to buy first
- Talking to a lender about a bridge loan or HELOC
- Setting a price strategy that limits overlap
Selling and buying
Two closings are where moves slip. This path puts both on one calendar, shows what a gap would cost, and starts your price opinion, so the backup plan is written before you list.
- Two closings
- Cost of two homes
- Home value
- Your plan
Questions
Good to know
Is a bridge loan right for me?+
It depends on your equity, income and lender. Use this to frame the conversation, then get a lender’s quote.
Keep planning
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