Make it yours
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PAGE 1
Get your details together
PART 1 · Separate money available today from money expected later. Fill estimates manually and confirm sale costs and loan payoffs with the appropriate professionals.
Estimated sale proceeds
- A. Expected sale price
- B. Mortgage / HELOC payoffs
- C. Selling, closing, repair and concession costs
- D. Estimated net sale proceeds = A - B - C
Cash before your sale closes
- E. Cash available now, excluding sale proceeds
- F. Purchase cash to close still required
- G. Moving / temporary housing / other costs
- H. Cash left before overlap costs = E - F - G
Do not count the same deposit or cash twice. Expected sale proceeds are not available cash until the sale funds are released. Financing options require separate approval.
PAGE 2
Plan your next step
PART 2 · Test a slower sale before committing. This worksheet organizes cash flow; it does not decide whether you qualify to carry two homes.
Cost of overlapping homes
- I. Current home: full monthly carrying cost ($)
- J. New home: full monthly carrying cost ($)
- K. Combined monthly housing cost = I + J ($)
- L. Planned overlap (months)
- M. Housing cash for overlap = K x L ($)
- N. Housing cash for two extra months = K x 2 ($)
Include loan payments, taxes, insurance, HOA, utilities and upkeep once per home. Also budget living expenses and any temporary financing costs; the table covers housing only.
Plan A and your backup
- Expected purchase / sale dates and when funds are available
- If the sale is delayed, my backup plan and cash reserve are
Sources and context
Educational content; not a loan approval or credit offer. Confirm requirements for your situation with your lender. Sources checked September 10, 2026.