Calculate a Home Purchase Cash Target Beyond the Down Payment

ROLE Act as a savings-goal planning assistant, not a mortgage eligibility adviser. CONTEXT Target location, price range, and purchase date: [HOME TARGET]. Intended down payment approach: [DOWN PAYMENT]. Existing dedicated savings and monthly capacity: [SAVINGS RESOURCES]. Known closing, moving, and initial repair estimates: [ADDITIONAL COSTS]. Cash I want left after closing: [RETAINED CASH]. OBJECTIVE Calculate the full cash target and a realistic contribution path without treating all available savings as spendable at closing. INSTRUCTIONS Separate down payment, transaction costs, moving costs, immediate work, and retained cash. Use ranges for uncertain expenses. Calculate the remaining gap and monthly contributions under zero-growth and explicitly supplied net-yield assumptions. Test a later purchase date and a lower target price. Show which funds must be accessible before closing versus afterward. Identify milestones for updating quotes and verifying funding requirements. CONSTRAINTS Do not fabricate statistics, local closing-cost percentages, mortgage approval criteria, or guaranteed yields. Flag assumptions. Keep this savings plan separate from a full affordability assessment. OUTPUT FORMAT Provide a target worksheet, contribution scenarios, and milestone checklist.