A home you love.
A plan you trust.
Local guidance for your search, your budget and your next move.
Energy and Experience for your Real Estate Needs
Explore your homebuying budgetIllustrate your monthly payment, upfront costs and where assistance could help.Explore my budget
Try an example, then make it your own. No sign-up needed. Your entries stay in this calculator and are not sent to our team.
Not sure what price to try? Start here Optional
Include car loans, student loans and credit card minimums. Leave out rent and everyday spending.
Not sure yet? Start with the example and move the slider.
Money available for the down payment and closing costs.
Example percentage, not a loan requirement. Low or zero down payments depend on loan eligibility.
Adjust rate, closing costs & other assumptions
Illustrative rate, not a current rate or loan offer.
A planning allowance. Actual fees and prepaid amounts vary.
Taxes, insurance and HOA dues are examples. Mortgage insurance is an editable allowance; requirements vary by loan. Upfront loan fees are not separately calculated.
Illustrative monthly payment
Estimated upfront costs
Explore down payment and closing cost programs using your household income, household size and purchase location.
Explore grants & assistance →Eligibility and funding must be confirmed. Some assistance is repayable. No assistance is deducted from this estimate.
Educational illustration only. Not a loan quote, preapproval or eligibility determination. Actual payments, costs and loan requirements vary. Keep room for inspections, moving and an emergency cushion.
Could assistance be
part of your plan?
Explore grants and down payment assistance with our Richmond-area Homebuyer Assistance Finder. Start with where you want to buy, then narrow the options using a few details about your household.
We’ll help you make sense of the next steps and connect you with the right questions to ask a lender or program provider.
The finder is a starting point. Program eligibility, funding and loan requirements must be confirmed with the provider and lender.
Find options.
Understand the next step.
- 1 Choose your purchase location
- 2 Explore programs that may fit
- 3 Illustrate cash needed at closing
Use the same interactive finder here without leaving this page.
Before we open
the first front door.
Three small steps can make your search more focused. Use this checklist to organize your thoughts before we plan your tours.
Start with the numbers.
Discuss preapproval with a lender and choose a monthly payment that feels comfortable. Your budget matters just as much as the amount you may qualify to borrow.
Preapproval can strengthen an offer. It isn’t a final loan approval, and tour requirements can vary by property.
Talk with a lender →Make your short list.
Choose three must-haves: bedrooms, layout, accessibility or outdoor space. Then list the features you’d like but could change later, such as paint or fixtures.
Bring both lists to our first conversation so we can focus your search on what matters.
Try the everyday routine.
Explore the areas you’re considering. Drive your usual route at the times you travel and check the amenities, parks and services you use.
Let your own routine guide the decision. We’ll help you compare homes within the locations you choose.
Use the checklist to organize your thoughts. When you’re ready, start a conversation with our team.
Start somewhere
that feels like you.
Explore recent price drops and new listings across Greater Richmond. Set your price range, bedrooms and other preferences in the search.
Recent price reductionsFresh price drops.
Homes with price reductions in the past 7 days.
Richmond City, Henrico, Chesterfield and Hanover.
Explore recent reductions
Just listed · Past 7 daysNew this week.
Homes listed in the past 7 days.
Richmond City, Henrico, Chesterfield and Hanover.
See this week’s listingsWhere are you looking? Explore 8 local areas
Most area shortcuts use groups of ZIP codes, so results may include surrounding neighborhoods. Refine your search in IDX.
Build my own search →
$575,000
$499,950
$420,590
$474,000
$489,900
$350,000
$429,500
$887,944
$574,999Choose your areas, price range and must-haves.
Your favorites.
Your filters. Your pace.
Start with the homes. Choose your areas, budget and must-haves in IDX. When you find a search you like, you can save it and turn on listing updates.
- Save homes you want to revisit
- Receive updates for your saved search
- Request a showing when you’re ready
Keep your search working for you. A free IDX account lets you save your filters, revisit favorite homes and receive listing updates for your saved searches. An account may be requested while browsing results.
A thoughtful offer
looks at the whole picture.
A price reduction or longer time on the market can be a reason to explore the seller’s flexibility. We look at the home, competition and your priorities before deciding what to ask for.
Closing cost help
A negotiated seller credit may help with eligible closing costs. Your lender can confirm what your loan allows.
Financing options
Compare your financing options. Ask your lender whether available credits could support a rate buydown and how its upfront cost compares with potential savings.
Terms that fit
Consider more than price. We can discuss timing, repairs or a home warranty as part of an offer. The right request depends on the property and contract.
Concessions are negotiated, not guaranteed. Loan limits, seller agreement and property circumstances matter.
Good questions
to start with.
Have a question about your own situation? Start with a conversation.
Do I have to be a first-time buyer to explore assistance?
Program rules differ. Use the Assistance Finder to explore options, then confirm requirements with the program provider and lender.
Can I start looking before I’m preapproved?
You can start exploring areas and homes online. Before serious tours or an offer, discuss your budget and financing with a lender. Some properties may have specific showing requirements.
How much money should I plan to bring to closing?
Ask your lender for an estimate of down payment, closing costs and any credits or assistance. Keep room in your plan for inspections, moving and expenses after you own the home. The Assistance Finder includes an illustrative cash-to-close tool.
How does buyer representation work?
We explain our role, services and the terms of a buyer agreement before working together. Read our buyer brokerage information and bring your questions to the conversation.
What if I also need to sell my current home?
We can plan the sale and purchase together. Explore our Sell + Buy Planner or Sellers page, then talk through timing and options with our team.
Let’s find your next chapter.
A first home, a fresh start or a move across town. We’re here to help you build the plan.
