The Liability Swap
Debt Elimination Strategy Calculator
Pay Off Debt or Bigger Down Payment?
Most buyers dump all their cash into a down payment while carrying expensive car loans and credit cards. This calculator compares both strategies side-by-side — including closing costs, taxes, insurance, PMI, amortization, and 5-year net worth projections.
Cash Flow Analysis
Full PITI + debts + closing costs
5-Year Net Worth
Equity + cumulative savings comparison
Smart Payoff Order
Highest cash-flow-per-dollar first
Break-Even Timeline
When savings overtake equity gap
Qualification Check — DTI Ratio
Scenario A
0%
Scenario B
0%
The Scoreboard
What the Liability Swap gets you
💵 Monthly Savings
$0
per month cash flow
📅 Annual Savings
$0
saved per year
🏠 Buying Power Unlocked
$0
additional loan capacity
💸 Interest Saved on Debts
$0
lifetime debt interest avoided
📈 5-Year Net Worth Comparison
Home equity + cumulative monthly savings
Scenario B builds equity slower initially but saves more through eliminated debt payments
Full PITI + Debt Breakdown
Scenario A
Scenario B