Colorado Home Plan

Three buckets, one dashboard — home search fit, price & mortgage, and the finance plan behind it. Updated Jul 18, 2026.

Live VA mortgage calculator

0% down, VA funding fee waived (you're exempt — service-connected disability compensation). Adjust and everything below updates.

$750,000
5.75%
Down payment
$0
VA loan, 0% down
VA funding fee
$0
Exempt — disability comp.
Loan amount
$750,000
= home price
Total monthly (PITI+HOA)
$5,171
@ 5.75% · Castle Rock
Principal & interest$4,377
Property tax$394
Homeowners insurance (est.)$250
HOA (est.)$150
Total monthly payment$5,171

Insurance is a rough Colorado estimate (~0.4%/yr of home value, hail-prone market) — swap in a real quote once you have listings. HOA assumes a pool-amenity community; confirm the exact fee per listing.

Price sensitivity — total monthly payment

Same assumptions, at four price points, comparing your quoted rate to the current market average VA rate (6.30%, Mortgage News Daily, Jul 16 2026).

Household income scenario

Pick a scenario to see net monthly cash flow before and after a $750K Castle Rock mortgage.

Total net income
$22,400
Current expenses
−$9,000
before new mortgage
Residual after mortgage
$8,229
vs. $750K Castle Rock @ 5.75%

VA residual-income check

VA lenders require a minimum residual income after all obligations — West region, family of 4, loan > $80K.

VA minimum required
$1,117 / mo
Your residual (this scenario)
$8,229 / mo
Result
PASS

Recommendation

Scenario A is your cash flow right now — active-duty pay only, no VA disability yet (starts Sept 2026). Once you're off active duty and into the Cisco AE role, build the budget around Scenario B, Cisco AE Conservative (base pay + VA disability, zero commission) — that's the number a VA lender will likely qualify you on anyway, since new commission income usually needs about two years of history to count. At $750K in Castle Rock and your 5.75% quote, the estimated PITI+HOA is roughly $5.0–5.2K/mo, which Scenario B still comfortably covers with several thousand dollars a month left for savings and irregular expenses. Treat Scenarios C and D — commission ramping up — as upside for extra principal payments, 529 contributions, or rebuilding savings, not as income to plan the mortgage around.

Ratings

Rate each listing 1–5 stars on 1 · Home Search — click a star to set the rating, click the same star again to clear it. Sorted highest-rated first. Click any listing to see its full breakdown below.

No home selected yet

Rate a listing above, or go to 1 · Home Search and click "View full breakdown" on any listing — it'll open here with its price, facts, and a live mortgage calculator pre-filled for that home.