Day 1 Mon 10/19 · First search
Every home, priced by the month.
Car lots write the monthly on the windshield. Keysday writes it on the window: the payment a first-time buyer would really make, with mortgage, property tax, insurance, HOA and PMI all in. Free to search. Plus is $9 a month.
How we got $2,333
Loan $274,550 × r(1+r)360 ÷ ((1+r)360 − 1) = $1,690 principal and interest, where r = 6.25% ÷ 12 = 0.5208% a month for 30 years.
Then property tax 1.62% of price a year ÷ 12 = $390, insurance 0.50% of price a year ÷ 12 = $120, PMI 0.58% of the loan a year ÷ 12 = $133 (gone at 20% down), HOA $0. Rate assumed: a 6.25% 30-year fixed, a sample for October 2026. Your lender's quote replaces it, and every number here moves with it.
Day 3 Wed 10/21 · Your number
Your street, priced against your number.
Set what you can pay a month and the cash you have saved. Every window on Alder Ridge rewrites itself. The ones that fit stay lit.
Day 9 Tue 10/27 · Pre-approval
The bank will say yes to more than you'd choose.
Lenders approve up to 43% of your gross pay going to debt. That is a ceiling, not a plan. Keysday keeps your number on every page so the letter does not reset it.
The lender's ceiling
What a pre-approval letter can say.
$356,000
- $92,000 ÷ 12$7,667
- × 43% debt limit$3,297
- − your other payments−$420
- Room for housing$2,877 /mo
Your number
What you said you would pay, from Day 3.
$299,000
- Monthly, all in$2,400 /mo
- Cash down$18,000
- Rate, tax, insurance, PMI6.25%, 1.62%, 0.50%, 0.58%
- Home price that fits$299,000
The letter allows $57,000 more house than your number, about $477 more every month for 30 years.
Day 23 Tue 11/10 · Offer
Every $1,000 you offer is $8 a month.
Bidding in sticker prices makes $5,000 sound like nothing or like everything. In monthly terms you can decide in the driveway.
Per $1,000 of price at 5% down: $950 more loan × 0.6157% = $5.85, plus tax $1.35, insurance $0.42 and PMI $0.46.
Day 30 Tue 11/17 · Inspection
What wears out, priced by the month too.
The inspector dates the roof, the furnace and the water heater. Keysday divides each replacement by the months it has left, so you can set it aside now instead of finding it later.
Day 58 Tue 12/15 · Closing
Bring $21,453 to the table.
The cash side of the same offer, line by line, so the wire on closing day is a number you saw a month ago.
Sign and wireTuesday, 12/15/2026, at the title office on Morse Rd.
KeysThursday, after the deed records with the county.
First payment$2,333 on 2/1/2027. January is paid as interest at closing, so there is no payment in January.
Day 60 Thu 12/17 · Keys
Keys, at the number they set.
Four buyers from this fall. Each set a monthly number on Day 1 and wrote down what they pay now.
"We stopped arguing about the list price. We argued about forty dollars a month instead, which is a much smaller fight."
Marisol Reyes, first home, Westerville
Brianna went $38 over, on purpose, for the fenced yard. Buyers who closed with Keysday this year paid an average of $31 a month under their number.
Keysday
Free
- Every listing priced by the month
- Your number on every window
- The math under every price
Keysday Plus
$9 a month
- Rate-drop alerts the morning they happen
- Offer and closing math on any listing
- Share your number with a co-buyer
- Cancel on keys day, in one tap