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Start with the Vegas listing
Enter an address, listed payment, down payment, rate, and loan term. Then confirm the HOA and insurance numbers you already know.
Vegas home-cost intelligence
Know the payment behind the payment.
TrueHome Vegas turns a listing into a realistic monthly budget—mortgage, taxes, insurance, HOA, utilities, and maintenance included. Free for Las Vegas buyers and clear enough to share.
No credit card. Estimates show their assumptions.
Illustrative preview
Listed payment
$2,800
Estimated budget
$3,650
Example only. Your result uses your inputs and clearly labeled estimates.
Buying-power calculator
Start with what your income and debts can carry.
This is a separate estimate from the listed-payment-versus-real-budget calculator. Use it to set a home-search range, then run the true cost of any specific Vegas listing.
Your planning inputs
Enter annual gross income and the recurring payments you make each month.
Before taxes, bonuses optional.
$
Optional; before taxes.
$
$
Illustrative loan rate.
%
years
Annual rate of the home price.
%
Annual estimate.
$
Monthly estimate; enter 0 if none.
$
Monthly recurring debts
Lenders evaluate monthly obligations. Use payment amounts—not balances—to make this estimate meaningful.
$
$
$
$
$
A balance alone is not used here. Add its minimum monthly payment above.
The selected percentage is applied to gross monthly income, then your recurring monthly debts are subtracted.
Income + debt-based buying power
Explore homes around $292,000–$325,000
This range uses your selected 36% guideline and leaves room to start your search below the illustrative ceiling.
Illustrative maximum all-in housing payment
$2,900 / mo
Includes principal and interest, taxes, insurance, HOA, utilities, and maintenance at the upper end of the range.
All-in monthly cost stack
At $325,000- Principal + interest
- $1,849
- Property taxes
- $203
- Homeowners insurance
- $150
- HOA dues
- $75
- Utilities estimate
- $350
- Maintenance reserve
- $271
- Estimated real monthly budget
- $2,897
Shareable summary card
Buying power, not a listing-payment comparison.
Share this income-and-debt-based range before you have a listing. The TrueHome real-budget card answers a different question: listed payment versus the costs of one specific home.
Educational estimate only
This is not a loan approval, rate quote, or financial advice. Lenders use their own underwriting rules, credit details, verified income, reserves, property data, and other factors.
Assumptions: utilities are estimated at $350/month and maintenance at 1% of home price annually. Taxes, insurance, HOA, and rate use the inputs above.
The TrueHome promise
Built to inform your offer—not inflate a lead form.
Every estimate is labeled
Every input stays visible
No surprise paywall for buyers
From listing to real budget
One address. Every recurring cost. A decision you can explain.
The advertised mortgage is only the opening number. TrueHome Vegas makes the rest visible without pretending estimates are guarantees.
02
Build the whole monthly budget
See principal and interest beside property taxes, homeowners insurance, HOA dues, utilities, and a practical maintenance reserve.
03
Compare, share, decide
Turn the result into a clear listed-payment-versus-real-budget card, compare two homes, or send the calculation to a partner or agent.
Straightforward access
Free for buyers. Practical for pros.
Buyers should not have to subscribe just to understand a home. Agent tools add branded sharing and client workflows.
For buyers
Free calculator
$0 forever
- Full monthly cost estimate
- Visible inputs and assumptions
- Shareable result card
- Two-home comparison
For agents
Agent Pro
$29 / month
Planned launch pricing. Cancel anytime.
- Everything buyers get
- Agent-branded result cards
- Saved client scenarios
- Lead follow-up workspace
Before you fall for the listing payment
Run the number you will actually live with.
Bring an address and a few financing details. Leave with a transparent Vegas home budget you can compare and share.
Start my free calculation