CommuniCasita

Before you talk to a lender, find out what a house actually does to your finances — at closing, in five years, and in fifteen. Most mortgage calculators start at "down payment = $50,000" and tell you a monthly payment. CommuniCasita starts somewhere far more useful: your actual balance sheet. Enter your accounts, your holdings, and what you paid for them, then watch what really happens when you turn those assets into a house. MODEL THE WHOLE PURCHASE Build a scenario from the house you're looking at: price, property tax, insurance, HOA, maintenance, and itemised closing costs. Then stack the borrowing however you'd actually structure it — a 30-year fixed, a 15-year, an FHA or VA loan, an ARM with caps, interest-only, a HELOC, or an SBLOC borrowed against your portfolio. Add extra principal payments and switch between monthly, bi-weekly, weekly or quarterly schedules to see what each one saves. SEE WHAT SELLING REALLY COSTS This is the part other calculators skip. Enter your holdings with their cost basis and purchase dates, and CommuniCasita computes the actual tax on funding a down payment — splitting long-term from short-term gains, and letting you choose which lots to sell (FIFO, highest basis, or lowest basis). It also tracks the cost nobody puts a number on: every dollar you sell stops compounding for the next fifteen years. COMPARE AGAINST NOT BUYING Every scenario is scored against staying where you are with the money invested — because that's the real alternative. See the break-even year, the annualised return on the decision, and exactly how far ahead or behind you'd be at 1, 3, 5, 10 and 15 years. MAXIMUM DETAIL, NO GUESSWORK PITI broken out, cumulative interest, LTV and DTI, PMI that drops off at the right moment, FHA mortgage insurance that (accurately) often doesn't, the tax benefit of deducting mortgage interest — and pessimistic, base and optimistic bands on every projection. Every number traces back to something you entered. Nothing is a black box. IT WARNS YOU CommuniCasita flags what's worth knowing: a cash reserve you'd drop below, debt-to-income past your own comfort line, or an SBLOC whose collateral wouldn't cover a maintenance call if the market fell 30%. YOUR FINANCES NEVER LEAVE YOUR DEVICE No account. No sign-up. No cloud sync. Every balance, holding and cost basis you enter is stored only on your iPhone or iPad and is never transmitted anywhere. On iPad, compare scenarios side by side in a proper split view. CommuniCasita is a modeling tool, not financial, tax, or legal advice. It shows you projections from your own assumptions so you can ask a mortgage broker and a CPA better questions. CommuniCasita is free for everyone, supported by unobtrusive ads. You can request features, suggest improvements, or report a problem right from inside the app — we build with the community. CommuniDev builds small, focused iOS apps with our community, for you. Our apps respect your time, your privacy, and your wallet. Your content stays on your device, and ads stay minimal. You can request features and suggest improvements from inside the app; it stays free for everyone. Let's CommuniDev together!