Mortgage · Portfolio

Affordability — Seattle baseline

Personalized to your taxable liquid. HSA / 401k / Roth excluded by design. Defaults assume King County property tax (~0.93%) and current jumbo-ish rates; edit anything to model your scenario.

Inputs

Purchase price Down payment % Mortgage rate % Loan term (years) Property tax % / yr Home insurance $ / yr HOA $ / month Closing costs % of price Include WSECU CD ($16,248.29) at maturity 2026-07-17 Include EU Certificate ($67,000.00 ≈ €60000) — held by In-laws, matures 2028-01-01

Cash to close

Down payment—

Closing costs—

Cash needed at close—

Liquid available—

Surplus / shortfall—

Monthly cost

Principal & interest—

Property tax—

Insurance—

HOA—

Monthly PITI + HOA—

Loan summary

Loan amount—

Total interest over term—

Total paid over term—

After down payment

IBKR Taxable remaining—

(would deplete cash + cash-equiv first; equity sold last)

Liquid breakdown (taxable only)

Source	Amount	Notes
IBKR settled cash	$83.62	Available immediately
IBKR cash equivalents (SGOV)	$35,608.86	Sell at NAV, T+1 settlement
IBKR equity positions	$19,308.92	Triggers cap-gains tax on sale
IBKR real assets (VICI)	$735.84	Triggers cap-gains tax on sale
IBKR Taxable total	$55,737.24
WSECU CD (matures 2026-07-17)	$16,248.29	Toggle "Include CD" above to add
EU Certificate (matures 2028-01-01)	$67,000.00	Held by In-laws — toggle above to add (speculative)