Navigate your
home journey with
clarity and confidence.
See your numbers, explore different scenarios, and make informed decisions every step of the way. Built for buyers, sellers, and homeowners.
Snapshot
$620,000
Max purchase with 10% down at 6.25% APR.
Snapshot
$3,650/mo
30-year fixed on $540k loan with taxes & insurance.
Snapshot
$188,500
After 5% agent fees and closing costs on a $620k sale.
Snapshot
$118,400
Tap-able equity while keeping LTV at 72%.
94%
Pre-approval accuracy
Buyers score 94%+ with Homevio’s guided two-week prep workflow.
32+
Unique calculations
Affordability, mortgage, LLPAs, and closing cost tools lenders use.
18 hrs
Average time saved
First-time buyers save 18 hours automating annual spreadsheet work.
Homevio exists to give every household the education and transparency needed to take control of their home decisions.
From “can we afford this?” to “should we refinance?” or “should we sell?” Homevio helps you understand how each decision impacts your finances.
See how it works →Education First
Learn as you go, not just get answers. Every calculator, checklist, and insight helps you understand the “why” behind each decision.
Guided Next Steps
Turn insight into action. Follow a structured path with clear next steps, from document prep to final decisions.
Financial Transparency
See where every dollar goes. Taxes, insurance, fees, and financing costs broken down so you understand exactly what you’re paying and why.
Real-World Insights
Grounded in how decisions are actually made. Every estimate and assumption reflects real evaluation logic, not generic market estimates.
Tailored insights for every stage
of the home journey.
Choose your path. Homevio equips you with the right tools, education, and guidance no matter where you are in the journey.
Arrive prepared for every lender conversation.
Understand your numbers, explore key costs, and see how lenders evaluate your loan before you submit an offer.
- →Affordability, mortgage, DTI, and cash-to-close calculators
- →Income analysis based on pay stubs and W-2s
- →County-specific loan limits and program guidance
- →7-stage guided journey, from education through close
Understand your net before you list.
Estimate your proceeds, understand your equity, and plan your next move before you list.
- →Net proceeds and seller cost breakdowns
- →Pricing scenarios to compare different listing strategies
- →Pre-listing preparation and cost considerations
- →7-stage guided selling journey, from preparation through close
Make smarter decisions as a homeowner.
Track your equity, evaluate refinance opportunities, and understand when it makes sense to sell or hold so you can treat your home like the investment it is.
- →Home value and equity tracking over time
- →Refinance and payment comparison scenarios
- →Sell vs hold decision insights based on your numbers
- →Guided homeowner journey for ongoing decisions
Every step, mapped and explained.
Homevio guides you through each step with clear milestones, decision support, and the context you need to move forward.
Education
Loan programs, credit, and how lenders evaluate your financial profile.
Qualification
DTI, pre-approval strategy, and what separates a strong application.
Property Search
Market conditions, pricing strategy, and how to search and evaluate homes effectively.
Making an Offer
Pricing, contingencies, negotiation strategy, and how to structure a competitive offer.
Escrow: Due Diligence
Inspections, disclosures, title, and how to evaluate risk before moving forward.
Escrow: Financing
Underwriting, rate locks, conditions, and what it takes to get clear to close.
Closing
Final walkthrough, signing, funding, and what to expect after you get the keys.
The math your lender uses.
Available to you.
Every number in Homevio is based on the same formulas underwriters use, not generic estimates. Model your exact scenario before you ever walk into a lender conversation.
- Affordability calculator that models your real buying range, not a rough estimate
- See exactly how your rate is impacted by your credit score, down payment (LTV), occupancy, and property type
- Full payment breakdown including amortization, PMI timing, and total cost over the life of the loan
- Closing cost estimates based on your location, loan type, and price
- Net proceeds calculator showing detailed estimated proceeds
All-In Monthly Payment
$7,273
$810,000 purchase · 5% down · 7.000% rate · Los Angeles County
APR
7.065%
True cost of borrowing
Home Price
$810,000
Down Payment
$40,500 · 5%
Rate / Term
7.000% · 30yr
Credit Score
740
Complete Payment Breakdown
Principal & Interest
$769,500 loan · 360 payments · fixed rate
$5,389
74.3%
Property Taxes
1.25% effective rate · LA County estimate
$844
11.6%
Homeowner's Insurance
Conservative 0.65% annual estimate
$439
6.0%
PMI
Required at 95% LTV · drops off at month 38
$230
3.2%
HOA
Community-specific · adjust to your property
$371
5.1%
Loan Amount
$769,500
Cash to Close
$107,283
Lifetime Interest
$1,130,022
PMI Drops Off
Month 38
Professional-grade analysis.
Built for homeowners, not advisors.
These aren’t generic calculators. Each tool mirrors the analysis a lender or advisor would run, simplified and available to you directly.
Estimate your cash to close.
Adjust fees, escrow deposits, and commission assumptions to model your real closing costs.
Total Closing Costs
$17,283
1.9% of $900,000
Loan Amount
$810,000
Down Payment
$90,000 · 10.0%
Interest Rate
7.000%
Estimated Cash to Close
1.9% of purchase price · $900,000
Escrow account
Property taxes and insurance are collected into escrow when your down payment is below 20% (current LTV: 90%).
Buyer's agent commission (May be covered by the seller)
Join Homevio and make home decisions with institutional confidence.
A centralized platform to plan, analyze, and track every home decision from purchase to payoff.