Sharing to buy

See how co-buying could change the numbers.

This calculator lets you estimate a shared monthly payment and a simple “equity share” for each co-buyer based on how much they put in and how much they pay each month. It’s a starting point for conversation, not a legal agreement.

1. Property & loan basics

Estimated home price ($)

Total down payment ($, all buyers combined)

Interest rate (%)

Loan term (years)

Property taxes per year ($)

Homeowner’s insurance per year ($)

HOA / condo dues per month ($)

Number of co-buyers

2. Each co-buyer’s share

For each co-buyer, enter how much they contribute to the down payment and what percentage of the monthly payment they will cover. The calculator splits costs and estimates a simple “share of equity” based on those inputs.

Results

Enter the details on the left, then click “Calculate shares” to see how payments and simple equity might be shared.

Want help drafting a fair co-buying plan?

Co-buying works best when expectations are clear. We can help you think through payments, exit options and timelines. Share your info if you’d like to talk further.

First name

Last name

Phone

State

This tool is for ideas and conversation only. It is not a legal agreement or financial advice. Co-buyers should speak with an attorney to create a written co-ownership agreement.