True Payment
The honest monthly cost of a home — PITI, HOA, PMI, and insurance.
Most buyers (and most affordability calculators) only show principal & interest. The True Payment tool models every line item a buyer actually pays — taxes, insurance, HOA, PMI, plus estimated cash to close — and produces a branded, shareable report that closes the gap between rate-sheet payment and reality.
Who it's for
- Buyer's agents who don't want their first showing to become an affordability conversation
- Lenders building a payment narrative before issuing pre-approval
- Listing agents arming buyers with a defensible payment number
What it solves
- Buyers fixate on the rate-sheet number and get surprised at the disclosure desk.
- Insurance quotes in Florida and California can double a 'normal' payment — they have to be modeled honestly, not estimated.
- Cash-to-close estimates are usually off by thousands because escrow and prepaid taxes get skipped.
How it works
- Step 1Enter price, down payment, rate, and term.Or pull from your most recent client conversation — most agents reuse last week's inputs.
- Step 2Add taxes, insurance, HOA, and PMI.Use real quotes, not defaults. The whole point is to be honest with the buyer.
- Step 3Get a True Payment + Cash to Close report.Branded, shareable, ready to text. The buyer keeps the link, you keep the credibility.
Example output
Frequently asked questions
Most calculators show principal & interest only. True Payment models PITI + HOA + PMI + cash to close, and produces a branded report you can share. It's the difference between a number and a deliverable.
No. True Payment is an estimate tool agents use to set buyer expectations before a lender locks in a quote. Final numbers come from the lender; True Payment gets the conversation right at the front end.
Yes — every paid plan includes agent branding on all reports.
Try True Payment free for 7 days
No credit card required for the trial. Brand every report with your name and headshot.