HomeIQ

Look closer. Buy smarter.
Designed by Shoeb

Your Numbers

Start with the home & loan basics, then click the colored ▾ section titles below to expand Your Finances, the retirement loan, and the sell/rent scenario. Hover any ⓘ for a tip, click 📖 Definitions for every term. Done? Hit 📊 Add to Compare — repeat per home and tab 6 picks the winner.

Property & Loan
How off-plan is handled: your booking + construction instalments are paid in cash from savings — no mortgage and no rent saved during the build, so you keep paying rent meanwhile. At handover the mortgage starts on the handover portion only, and service charges begin. Fees at booking: DLD 4% + Oqood registration (~AED 3,000) — put these in Closing costs. Buyer funds are protected in a RERA escrow account (Law No. 8 of 2007), but construction delay and handover-valuation risk sit with you.
▾Your Finances
▾401(k) Loan (optional)
How it's counted: the amount is added to your cash at closing (often enough to reach 20% down and erase PMI — try raising Down payment %). The repayment counts in % of take-home but not in lender DTI — lenders generally don't count 401(k) loans because you're borrowing from your own assets. Trade-offs: the borrowed money misses market growth, repayment is after-tax, and if you leave your job the balance can come due within ~60–90 days (else it's taxed + 10% penalty if under 59½).
▾Sell / Rent Scenario

Monthly Payment & Affordability

Enter your numbers above ↑
Total monthly (all-in)
—
Loan amount
—
Cash needed at closing
—
Reserve after closing
—
% of take-home
—
Lender DTI (gross)
—

If rates move

Stress: payment if rate +2%
—
Reserve runway if income stops
—

Itemized breakdown

Principal & interest—
PMI—
Property tax—
Home insurance—
HOA—
Total / month—

% of take-home pay

Payment breakdown

Principal vs Interest

Enter your numbers above ↑
Month-1 interest
—
Month-1 principal
—
Total interest over loan
—
Total of all payments
—

Month-1 payment split

Yearly interest vs principal

Cumulative interest vs principal (labelled each year)

Equity Milestones & Early Payoff

Enter your numbers above ↑
20% equity / PMI droppable
—
Loan half paid off
—
Total interest (no extras)
—

Pay extra whenever you have cash

Combine any of the three — everything below updates live.

$0
New payoff time
—
Time saved
—
Interest saved
—
PMI droppable (with extras)
—

Loan balance over time

At 80% LTV (balance ≤ 80% of the purchase price) you must request PMI removal from your servicer; it terminates automatically at 78% LTV if you're current on payments.

Buy vs Rent — Should You Buy?

Enter your numbers above ↑
7 yr
— —
Home value when you sell
—
Cash in hand after selling
—
Total cost of owning
—
Total cost of renting
—
Buying vs renting (net)
—

Buying advantage vs renting — by years you stay

Above the dashed line buying wins; below it renting wins.

Location, Schools & Shopping

Loads automatically from the address above — map, schools by level, and nearby shopping.

Pick an address at the top of the form, then open this tab — everything loads on its own.

Compare Homes & Get a Recommendation

Fill the form, click 📊 Add to Compare (top of the form), repeat for each home or financing option — then compare here. Green cells mark the best value per row. Comparisons are saved in this browser.

🏠 Your buy / don't-buy verdict will appear here — enter the home's numbers above.
Automatic guide based on your inputs (cash, take-home comfort, lender ratio, buy-vs-rent break-even) — not financial advice.

About

HomeIQ · Built by Shoeb · Look closer. Buy smarter.

Home-buying math shouldn't live in a lender's black box.

HomeIQ gives you the full picture in seconds — punch in a property, get the numbers and a straight answer. No spreadsheets, no guesswork, no sales pitch.

💵
True all-in monthly costEvery line, not just principal & interest.
📈
What actually builds equityHow much of each payment is really yours.
🛡️
When PMI can goThe exact month you hit 20% — and how to get there sooner.
⚡
What early payoff savesYears and interest cut by paying extra.
⚖️
Buy vs rent, honestlyA real break-even year for your numbers.
🌍
US · India · UAELocal rules, currencies and costs — including Dubai off-plan.

Estimates only — not lending, legal, or tax advice.

© 2026 Shoeb. All rights reserved. "HomeIQ"™, its logo and the tagline "Look closer. Buy smarter." are marks of Shoeb. Personal, non-commercial use permitted; copying, rebranding or redistribution without written permission is prohibited.