True Cost
TrueCost™ by HomebuyerWallet.com
Give your clients the full picture of their real cost of homeownership with clarity they’ve never seen before.
TrueCost™ is the simplest way to show clients everything that goes into buying and owning a home… beyond the list price.
It takes the guesswork out of budgeting and gives you a powerful, professional-grade tool to help buyers make confident decisions.
You guide them through the search…
TrueCost™ guides them through the numbers.
You guide them through the search.
TrueCost™ guides them through the numbers.
Two Simple Numbers That Change Everything
Initial TrueCost™ to Purchase
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Initial TrueCost™ to Purchase
A one-time total cost to get the keys. Breaks down the full upfront picture, including:
- Down payment
- Closing costs
- Prepaids & escrows
- Loan fees
- Program savings & grants (CHIP)
- Cash-to-close after all benefits
- Any optional add-ons the client wants to include (renovation funding,reserves, etc.)
This is the number buyers always want… but never actually see easily. TrueCost™ reveals it instantly.
TrueCost™ of Ownership (Long-Term)
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TrueCost™ of Ownership (Long-Term)
A realistic estimate of what it takes to live in the home month after month, year after year. Includes all ongoing ownership components:
- Mortgage payment (principal + interest)
- Taxes
- Homeowner’s insurance
- Mortgage insurance (if applicable)
- HOA/condo dues
- Utilities (base estimate)
- Routine maintenance
- Replacement reserves (roof, HVAC, major systems)
- Program-driven savings over time
- Optional appreciation projections + equity build
This is your long-term clarity score, the number that turns “I think we can afford it” into “we know what it will cost.”
How Professionals Use TrueCost™
A simple three-step workflow:
Step 1: Enter the property details
Price, taxes, HOA, insurance estimates, program eligibility, etc.
Step 2: Choose adders
Select lifestyle modifiers and ownership considerations that match your client.
Step 3: Generate the TrueCost™ Summary
Instant, professional-grade output you can:
- Share in a link
- Send as a PDF
- Review in person or on a call
- Attach to open-house or offer packets
TrueCost™ becomes part of your value proposition. You’re not just helping them buy a home.. You’re helping them own it intelligently.
