Readiness check

Built by Kaizen, not a live government website

1
Your goal
2
Where you live
3
Household
4
Income
5
Budget

Step 1 of 5: Your goalYour answers stay on this device, so you can come back later

Buy a homeSee what monthly house payment your budget could carry.

Fix up the home I ownPlan for repair costs on top of what you already pay.

Move for a jobWeigh new pay against new housing and travel costs.

Make room for a growing familySee how another person at home changes your monthly picture.

Anything changing in the next year?

Pick any that apply. We will show you a side by side of today and next year at the end. Skip this if nothing is changing.

A raise or more hoursAbout $300 more take home each month.Changing jobsPay dips for a while. About $250 less each month.A new child in the homeOne more person to feed, plus childcare costs.Buying a carAbout $325 more each month for the payment and insurance.Moving to a new townAbout $150 more each month for housing and getting around.Going back to school or trainingFewer work hours now, about $200 less each month.

This is a practice tool. It does not decide if you qualify for a USDA loan, and it does not check your credit. USDA staff make all final decisions.

What are you planning for?

Anything changing in the next year?