For renters buying in 6–24 months

Know exactly what a house costs you — before you talk to anyone selling one.

Dwelleaf turns a listing into a plan: cash to close, the real monthly range, the qualification steps you're missing, and a dated path to being ready. Every assumption is printed next to every number.

Dwelleaf never buys your home, sells you a mortgage, promises appreciation, or shows your employer a single thing you searched for. It is a $15/month planning tool that discloses every referral fee before an introduction.

Estimated monthly ownership cost

$8,940

Range $8,410 – $9,620 depending on tax reassessment and insurance quotes.

Scenario · saved 3 days ago

1284 Alameda de las Pulgas

Redwood City · 3 bed · 1,740 sq ft · listed at $1,395,000. Move the assumptions and watch what actually changes — nothing here is an offer, an appraisal, or an approval.

Your assumptions

Defaults come from your saved profile. Change one and every figure recomputes.

Purchase price $1,395,000 List price. Redwood City sales closed 1.8% over list last quarter. Down payment 20% Below 20% adds mortgage insurance to the monthly figure. Mortgage rate 6.35% 30-year fixed. Not a quote — your actual rate depends on credit and lender.

What we assumed. Property tax at 1.19% of purchase price (San Mateo County, reassessed at sale), insurance at 0.35%, maintenance reserve at 1.0% annually, HOA $0, closing costs at 2.5%, and six months of payments held back as reserves.

What it costs you

Cash to close—

Monthly—

Where the monthly goes

Target: offer-ready by March 2027

Your readiness plan

A dated checklist built from your profile, not a pre-approval. Tick things off and the target date moves — honestly, in both directions.

Steps

Partner introduction

Two lenders and one buyer agent match your scenario. You choose exactly which fields travel with the introduction.

Disclosed: Dwelleaf is paid $450 by a lender and 25% of the agent's commission if you transact. That fee does not change your rate, and it is shown before every introduction — not buried afterwards.

You can withdraw consent per field at any time; the record stays exportable.

Home fit brief · 3 saved homes

Compare on what you actually care about

Turn priorities on and the ranking rebuilds around them. Sourced facts and Dwelleaf estimates are labelled separately — and there are no school or neighbourhood desirability scores here, deliberately.