Analyze
Offer Guard
Set the max price, the walk-away number, and the negotiation buffer before emotion does.
This page works best after the true monthly cost page has the loan assumptions you trust.
Inputs
Work backward from the payment
Give the page the monthly ceiling and the assumptions that should absorb offer pressure.
Decision
A safe walk-away price is about $415,303.4.
This backs into a max price from the monthly payment you can tolerate, then trims room for repairs and negotiation before emotion takes over.
Assumptions
This is a negotiation aid, not a lender approval or a valuation opinion.
Run State
Live run
Current inputs are synced to the live tool API.
Opening offer
$387,844
Walk-away price
$415,303
The highest number that still fits the budget.
Monthly at walk-away
$3,200
Use this to check the ceiling.
Negotiation buffer
$12,459
The room left for a counter.
Offer math
What changed the number
| Item | Value |
|---|---|
| Target monthly cost | $3,200 |
| Monthly non-debt cost | $1,100 |
| Supported principal & interest | $2,100 |
| Supported loan amount | $332,242.72 |
| Walk-away price | $415,303.4 |
| Negotiation buffer | $12,459.1 |
| Repair reserve buffer | $15,000 |
| Opening offer | $387,844.3 |
| Adjusted cash needed | $92,568.86 |