279
DPA programs searchable
$12,400
Avg assistance found per buyer
5 min
Time to your NestCost Score
100%
Free to start
What makes NestCost different
There are hundreds of mortgage calculators. NestCost is the only platform built around the full decision, not just the financing.
The real monthly cost — not just the mortgage
Most calculators stop at principal and interest. NestCost layers in property taxes, insurance, HOA, commute costs, and neighborhood risk so you see what you're actually signing up for.
A score built around your life
Your NestCost Score is a single 0–100 readiness number built from your income, debts, savings, credit, and the local market. Not what a lender says you can borrow — what actually makes sense for you.
Grants most buyers never find
279 verified down payment assistance programs across all 50 states, matched to your ZIP code, income, and credit profile. The average buyer leaves $12,400 on the table. We close that gap.
No agents. No commissions. No bias.
NestCost doesn't sell leads, take referrals, or earn commissions. We charge a transparent subscription fee. That alignment means the advice is always yours.
How we think
Four principles that guide every decision we make.
Honesty over optimism
We'll tell you when the numbers don't work — and explain exactly why.
Specificity over generics
Every recommendation uses your actual income, debts, savings, and ZIP code.
Access over gatekeeping
The tools lenders and advisors use shouldn't cost $500/hr to access.
Simplicity over complexity
One score. One dashboard. Everything you need, nothing you don't.
Built for everyone in the journey
First-time buyers
Understand what you can really afford before you fall in love with a listing.
Get my score →Move-up buyers
Figure out what selling buys you next — and whether the timing makes sense.
Try the Seller Report →Real estate professionals
Share AI-powered analysis with clients. Stand out with data they can trust.
See pro tools →