02 / HOME BUYING

Find the price that fits the rest of your life.

Ask the question in your own words. Linc checks your accounts, goals, and the assumptions that can change the answer.

LSAMPLE DECISIONILLUSTRATIVE

Can we afford a $700K home without pausing retirement savings?

THE SHORT ANSWER

Yes—if you put 15% down and keep at least $45K in cash.

That keeps a six-month emergency fund and leaves both retirement contributions unchanged. A 20% down payment would stretch cash too thin.

HOME PRICE$700KDOWN PAYMENT$105KCASH LEFT$48K

∑ Every input, assumption, and calculation is inspectable.

WHAT MOVES THE ANSWER

See the point where the plan starts to bend.

Compare financing now with a lower-rate refinance case.

Balance liquidity, debt, and the retirement timeline.

WHAT LINC CHECKS FIRST

Cash + investmentsMortgage ratesMonthly spendingProperty estimatesRetirement saving

TRY IT WITH YOUR OWN NUMBERS