HAC ANALYSIS
One clear affordability picture.
See your HAC Score, monthly housing cost, cash to close, cash remaining, reserve guidance, and the financial pressure this home may create.
EXECUTIVE HOMEBUYING CONFIDENCE TOOL
Buy wisely, not just approved.
HAC 2.0 measures the financial condition created by a home purchase: real monthly cash-flow resilience, post-close financial protection, distance to failure, and ownership durability — using actual take-home money rather than lender-style gross-income ratios.
COMPARE
Compare the homes that matter.
Save up to 8 home analyses and compare up to 5 side by side using the same affordability metrics.
IMPROVE
See what changes the outcome.
Manipulate a scenario copy of your profile and home without changing your real Financial Profile.
How to Use HAC
A simple five-step decision flow.
Open the 5-step guide
1. Build your profile
Enter net income, obligations, essential living costs, lifestyle spending, financial commitments, available cash, and profile details.
2. Enter the home
Add price, down payment, rate, loan program, term, taxes, insurance, HOA, and utilities.
3. Run the analysis
HAC calculates the full monthly cost, cash-to-close, and affordability score.
4. Read the pressure points
Review Real LPR, true household protection months, financial margin, stress resilience, and purchase readiness.
5. Compare or improve
Save the home, compare alternatives, use Rent/Buy, or test practical improvement levers.
Loan Understanding
Know the structure before you compare the payment.
Explore loan types and structures
Conventional
Standard financing with flexible down-payment structures and potential PMI below 20% down.
FHA
Government-insured financing that may allow lower down payments and typically includes mortgage insurance.
VA
Eligible borrowers may have access to financing without monthly PMI, subject to program requirements.
USDA
Eligibility depends on location, household income, and program requirements.
Jumbo
Loans above conforming limits often have distinct reserve and underwriting expectations.
Fixed vs. ARM
Fixed-rate loans keep the note rate stable; ARMs can change after an initial period.
Financial Profiles
Create up to five reusable household profiles.
Household Profile
Profile UseHAC 2.0 evaluates the complete household cash flow.
Essential living expenses and lifestyle spending are required for a defensible 2.0 result. HAC uses net income rather than traditional gross-income DTI. Lender-style profile factors remain educational and do not represent underwriting.
Essential Living Expenses
Add the recurring costs your household needs to live. Do not include housing or debt payments here.
What belongs here?Necessary non-housing household spending.
Examples include groceries, gas/transportation, childcare, medical costs, phone/internet, and other recurring necessities. Mortgage/rent, property costs, and debt payments belong in their own sections.
Monthly Debt Payments & Fixed Obligations
Loans, credit cards, car payments, support payments, and other required obligations. Do not include everyday living expenses here.
Projected Profiles
Create editable future financial profiles for promotions, job changes, raises, or other planning scenarios.
Projected Financial Profile
Projection NoticeThis profile remains separate from your current Financial Profile.
Projected Profiles can run full HAC analyses and profile-vs-profile comparisons, but they are always labeled as hypothetical and never overwrite the active current profile.
Saved Projected Profiles
HAC Analysis 2.0 CANDIDATE
Analyze the financial condition created by a specific home purchase.
HAC Notes & AssumptionsVerify the numbers that can change by property and lender.
Property taxes, homeowners insurance, PMI or program fees, utilities, and closing costs are planning estimates unless you replace them with verified figures. HAC is an educational affordability tool—not a lender approval, prequalification, or underwriting decision.
Rent vs. Buy
Compare current rent against the latest home analysis.
Rent Inputs
Decision Summary
Run a HAC Analysis first, then calculate Rent vs. Buy.
1 / 3 / 5 Year Outlook
No Rent vs. Buy result yet.
Compare
Compare homes, compare profiles on one home, or evaluate projected financial scenarios without altering your current profile.
Home ComparisonCompare 2–5 saved home analyses.
Each saved home keeps the financial profile used when that analysis was run.
Projection — Not Current Income
Quick Projection (Optional)
For a reusable projection, create a Projected Profile in the Profile section. This quick tool remains available for one-off calculations across selected homes.
Projection NoticeProjected results are hypothetical.
They do not replace your current Financial Profile and should not be treated as guaranteed future income, lender qualification, or underwriting.
Improve My HAC
Manipulate a scenario copy of your current profile and home without changing your real profile.
Scenario Inputs
Projected Improvement Result
Run a scenario to compare it with your current HAC result.
Saved Improvement Scenarios
Stored separately from real saved home analyses.
Recommended Levers
Guidance based on your current real analysis.
Run a HAC Analysis first.
Saved
Every saved HAC analysis type in one place. Each category stores up to 8 items.
Home Analyses
Full HAC home affordability analyses.
Improvement Scenarios
What-if changes saved from Improve My HAC.
Rent vs. Buy Analyses
Saved rent-versus-buy comparisons.
Future Projections
Clearly labeled hypothetical future-income projections.
Support
Questions about HAC, calculations, profiles, or website issues.
Contact HAC Support
Email support@racscore.com. For a technical issue, include what you were doing, your device/browser, and what happened.
Email HAC SupportPrivacy
The current HACScore.com website experience.
Information Used by HAC
HAC uses financial and property information you enter to provide affordability calculations, Financial Profiles, saved analyses, comparisons, and related planning features.
Local Storage
The current static website stores profiles, obligations, and saved analyses locally in your browser so your work can persist on that browser/device.
Support Communications
If you email support, the information you choose to send is used to respond to your request. Contact: support@racscore.com.
Educational Use
HAC is an educational planning tool. It is not a lender, mortgage broker, credit provider, underwriting service, or loan approval.