Housing Path Check: Could This Lower What You Pay?

You keep living in the home.

Sets the default build cost (California, 2020; enter your quote).

Owning the home and the land are separate questions.

Required. Enter your own (0 if you already own the land). No national land price is published.

Required. Enter the co-op’s monthly site fee.

A home on wheels is usually treated as an RV, not a house.

Required unless you enter a site rent. Enter your own (0 if you already own land). Published ranges ($3,000 to $150,000) are too wide to use.

Default $0. Enter your own if you will rent a spot (for example an RV park) instead of buying land.

Enter quotes: hookups, permits, fees, pad or foundation, driveway. HomeAdvisor reports utility access alone at $750 to $25,000.

The loan covers the home; land and site work are paid in cash.

Required.

Your cash toward the down payment. A share link includes both down payments, because the split depends on them.

Their cash toward the down payment.

Default 50%. Assumption: use your written agreement.

Units neither of you lives in are rented out; their rent lowers the whole monthly cost.

FHA limits loans when a co-buyer will not live there.

Sets the utilities you pay and how many units are rented out.

Matters for FHA when the co-buyer will not live there.

Enter your own. For reference only: AAA puts owning and running a new vehicle at $1,071.92 a month (2026); Progressive’s 2024 average motorhome insurance was $1,052 a year; a basic Planet Fitness membership was reported at $15 a month (2024).

Required. See typical prices on the metro pages in the library.

Kept in this browser; never put in a share link.

Default $0. Look up programs with the down payment help lookup.