Buying Your First Home?
Be Your Own Agent.
Save $10–15K in commissions with step-by-step tools that replace your buyer's agent.
Free to start. No credit card. No spam from lenders.
First-time buyers, keys in hand
Keys to your future
Celebrating your independence
From "can I afford this?" to keys in hand.
Three steps. Real numbers. No guesswork.
Set Your Profile
Tell us your income, credit range, savings, and target location. Takes 2 minutes. Everything we build is matched to your real situation.
Score Any Property
Paste any address. Get a 0–100 Purchase Score — a single number that factors in affordability, neighborhood quality, crime, schools, and local programs.
Get Your Action Plan
Receive a personalized checklist: which programs to apply for, what to fix before applying, and exactly what steps to take to close the deal.
No account. No paywall. Just answers.
Four tools brokers use — now in your hands, free.
Rent vs. Buy
Find out if renting is costing you more than you think — and exactly when buying tilts in your favor.
Run the comparison →Closing Cost Calculator
See what 3.5% down actually costs you — origination, title, escrow, taxes. No surprises at the table.
Estimate your costs →DPA Finder
Match your profile against hundreds of down payment assistance grants and loans — many buyers qualify without knowing it.
Find programs →Lender Report Card
See how your lender treats applicants by race, sex, age, and income — real federal data, zero spin.
Check your lender →The only tool that answers the
questions brokers won't touch.
Paste any address. Get a 0–100 score and full intelligence report — neighborhood risks, financial fit, everything you need before you make an offer.
Neighborhood Intelligence
- Crime rates & trend direction
- Flood zones & natural disaster risk
- Walkability & transit scores
- School district ratings
- Food desert classification
- Property value trends (5-yr)
- Death history on address
- Sex offender registry proximity
- Environmental hazard data
Your Financial Reality
- PITI breakdown (P+I+T+I)
- DTI calculated against your income
- FHA vs. Conventional comparison
- PMI cost modeling
- Fixer-upper cost estimates
- Affordability verdict & guidance
Built for future homeowners, not real estate agents.
If you've ever Googled "can I afford a house" at midnight, this is for you.
Renters saving for a down payment
You're putting money aside every month but have no idea when rates will make buying realistic. We'll tell you.
Rate watchers tired of refreshing
You check Bankrate, NerdWallet, and Zillow weekly hoping for a dip. Let us automate that and alert you when it matters.
First-timers who don't know where to start
FHA? Conventional? Down payment assistance? Set your profile and we'll surface which programs and rates actually fit your situation.
We work for you, not lenders.
Most "rate comparison" sites exist to sell your info to loan officers. HomeLeap is buyer-first. We don't take referral fees, sell leads, or spam you with calls.
No lead generation
Your data stays yours. We never sell your info to lenders or agents.
Personalized, not generic
Alerts based on your actual financial profile, not national averages.
Programs included, not just rates
We track down payment assistance, grants, and FHA programs in your area.
Set it and forget it
We scan daily. You only hear from us when something changes for your situation.
Skip the agent. Keep the tools.
Buyer's agents charge $10,000–$15,000 to do exactly what HomeLeap gives you for free.
- Property evaluation — gut feel, no scoring system
- Neighborhood research — opinionated, not data-driven
- Closing cost estimate — ballpark, not itemized
- Down payment assistance — they rarely search for you
- Inspection & appraisal guidance — generic advice
- Your financial data stays private — agents earn referral fees
- Purchase Scorer — 0–100 score on any address, matched to your finances
- School ratings, crime data, walkability — real data, no spin
- Closing Cost Calculator — itemized down to origination and title fees
- DPA Finder — search hundreds of grants and programs by your profile
- Action Plan — personalized checklist for pre-approval and closing
- Your data never sold. No lender calls. No kickbacks. Ever.
