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Buying and selling at the same time?

See what your current home could put toward the next one, what your new payment might look like, and the four ways people actually make the move.

1 · The home you have now

What it might sell forYour best guess is fine

What you still oweMortgage plus any home equity loan

Your monthly mortgage payment nowOptional. Lets you compare old payment vs. new

2 · The home you want next

Price of your next home

Savings you’d addCash on top of your equity

Adjust the assumptions (optional)

Interest rate on the new loan30-year fixed, roughly today’s average

Transfer tax, your share when sellingPA total is usually 2%, often split

Transfer tax, your share when buying

Other buying costsLender, title, prepaid taxes and insurance

Selling costs are figured with commission at 5% to 6% of the sale price. Commission is always negotiable.

Your home could put toward the next one

after paying off your loan and the costs of selling

Your next home, by the numbers

Can you buy before you sell?

Four ways to make the move

There’s no single right order. The best one depends on your numbers, your timing, and how competitive the market is. Highlighted options fit what you entered above.

Option 1

Sell first, then buy

Your home sells and closes, the money lands, and then you buy with cash in hand.

Good whenYou need your equity for the down payment and want the strongest offer when you buy.

Watch outYou may need somewhere to stay in between: family, a short-term rental, or storage.

Jay’s take: This is the safest path for most families. You know exactly what you have to spend, and sellers take your offer seriously. The in-between stretch is usually shorter and easier than people fear.

Option 2

Sell, then stay for a bit (a “rent-back”)

You sell, but your buyer agrees to let you stay for a set time after closing while you buy your next place.

Good whenYou want your equity in hand and only one move.

Watch outYour buyer has to agree, and it all goes in writing, often with a deposit and a daily cost.

Jay’s take: This is one of the best tools sellers forget to ask for. Lots of buyers will say yes if the rest of the deal is clean, so it’s worth putting on the table early.

Option 3

Buy, but only if your home sells

You make an offer that depends on your current home selling. If yours doesn’t sell, you can walk away.

Good whenThe house you love has been sitting, or the seller isn’t in a rush.

Watch outMany sellers say no to these, and they may keep showing their home and take a better offer.

Jay’s take: It protects you, but it weakens your offer. It works best when your own home is already listed, priced right, and getting showings, so the other seller can see yours will move.

Option 4

Buy first, then sell

You use savings, a bridge loan, or a home equity line to buy before your current home sells.

Good whenYou have the cash or credit to carry it and want to shop with no strings attached.

Watch outYou could pay two mortgages for a while. A home equity line usually has to be set up before you list.

Jay’s take: It’s the most comfortable move and the most expensive one. Before going this route, know your plan if your home takes longer to sell than you hoped.

Want a real plan for your move?

I’ll put real numbers on both sides, your sale and your purchase, and map out which order makes sense for you. No pressure, no obligation.

Text Jay Call 267-333-6384

Estimates are for general information only. They are not a loan approval, a rate quote, or an appraisal, and they don’t include every cost of buying or selling. Payments shown are principal and interest only; property taxes, insurance, and mortgage insurance are extra. Talk with a lender about what you qualify for. Commission rates are negotiable and not set by law.

Keep going

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