⌂ Home Buying

Spine: Master plan's 6 highest priorities (in order). Every card declares which priorities it serves. This Hub answers: where am I right now vs each priority + what's the next action.

Master plan priorities — current standing

P1 Avoid financial fragilityCash reserves intact · brokerage margin $10,509

P2 Preserve investment futureBrokerage $49,509 vs $39k floor — protected

P3 Improve living situationCurrent living: privacy/clutter/storage pain (master doc) — purchase resolves

P4 Maintain liquiditySave+Invest $93,146 · DP path no-liquidation

P5 Buy in a strong long-term areaTier 1: Norwood/Walpole/Foxborough · Tier 2: 8 towns

P6 Keep monthly stress manageableSFH $535k PITI $4,670/mo · cushion $1,590/mo

This week — action list

DP funding: $21,601 gap at $3,157/mo velocity → target hit in ~6.8 months. No brokerage liquidation needed if velocity holds.
Brokerage floor: $49,509 current vs $39,000 floor — $10,509 margin. Side B (home shift) feasible without floor breach.
Account consolidation: Capital strategy recommends 2-account underwriting structure (Operating + Mortgage Funds Vault). Audit current ~25 accounts → identify consolidation candidates.
Town focus: Tier 1 (Norwood/Walpole/Foxborough) — verify current MLS inventory in target $499-625k range. Open Town+Search card for full table.
Affordability headroom: SFH $535k baseline PITI $4,670/mo leaves $1,590/mo cushion vs repurposable income. Stretch ceiling $625k still viable.

Sub-cards (deep-link nav)

💰FinanceDP progress · accounts · repurposable 📈InvestmentSide A vs B · $39k floor 🏦MortgageSFH/Condo PITI + DTI calc 🏘3-Family CalcRental income offset math 💸Monthly CostsPer-town tax + utilities 📋Closing Costs5-category itemized · $44,883 📍Town + SearchTier 1/2 + listings scorecard ✅Want Tracker50 criteria + listing scorer 🌿LifestyleFamily fit + Joseph + stress 🧮CalculatorsJess capacity · split · ceiling · reverse · full burn

Hub-internal nav: 9 sub-cards above are siblings on same Cloudflare deploy. Browser back-button returns here. Investments mobile hub sees ONE entry (this Hub). Sub-cards are NOT in mobile_registry — they're internal to home per Build B v2 architecture.

⌂ Home Buying — Hub

Master plan priorities — current standing

This week — action list

Sub-cards (deep-link nav)