Homeownership Planner
FHA vs Conventional eligibility, down payment, and DTI tracker.
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Buying your first home — in plain English
A mortgage is a long-term loan to buy a home. Lenders look at three things: your credit score (how reliably you pay back debt), your DTI (the share of your monthly income that already goes to debt), and your down payment (the cash you bring to closing). FHA loans are friendlier for first-time buyers (3.5% down, lower score floors). Conventional loans cost less long-term once you qualify.
Credit to Keys — the blueprint
The signature roadmap that ties credit, savings, and timeline together.
The full Credit-to-Keys roadmap takes you from current FICO + savings to a closing date you can actually plan for. Run the simulator and save your numbers — they sync to your account so the rest of this module personalizes around your inputs.
Open the Credit-to-Keys roadmap →FHA vs Conventional eligibility
Quick check against published lending guidelines.
Affordability calculator
Maximum home price based on 43% DTI guideline.
Down payment + closing costs
What you need at the table to close.