Credit Scores help you get approved. HAC Scores help you understand whether a specific home fits your real monthly life, savings goals, and Lifestyle Protection Reserve.
Your HAC Score is a buyer confidence rating. It helps show how comfortably a specific home may fit your real monthly life after housing costs, obligations, savings goals, and Lifestyle Protection Reserve.
| HAC Score | Rating | What It Means |
|---|---|---|
| 85–100 | Strong Fit | The home appears to fit comfortably with strong remaining cash flow and lifestyle protection. |
| 75–84 | Comfortable | The home appears manageable, but buyers should still verify taxes, insurance, and closing costs. |
| 65–74 | Caution | The home may be affordable, but there are pressure points that should be reviewed before moving forward. |
| 50–64 | Tight | The home may create monthly stress or reduce flexibility after obligations and savings goals. |
| Below 50 | High Risk | The home may place too much pressure on cash flow, savings, or lifestyle protection. |
For early-stage buyers who want a clean, simple score before going deeper.
Open the executive comparison to see which HAC report fits your stage of the homebuying process.
For serious buyers who want a deeper read on cash flow, utilities, rent tradeoffs, and quality-of-life protection.
HAC Basic gives a fast planning score. HAC+ gives a premium decision report with deeper cost visibility, optional rent analysis, and a cleaner buyer-facing workflow.
Best for: first-pass affordability confidence. It helps buyers quickly understand whether the target home price is in range before going deeper.
Best for: serious purchase planning. It adds a primary report-first workflow, transparency dropdown, utilities, LPR context, and optional rent-vs-buy analysis.
| Capability | HAC Basic | HAC+ |
|---|---|---|
| HAC Score out of 100 | ✅ | ✅ |
| Desired home price analysis | ✅ | ✅ |
| State-based estimates | ✅ | ✅ |
| Basic cash-to-close estimate | ✅ | ✅ |
| Basic transparency breakdown | ✅ | ✅ |
| Lifestyle Protection Reserve | ✅ | ✅ |
| County-level tax estimates | — | ✅ |
| Loan type selection | — | ✅ |
| Credit score ranges | — | ✅ |
| Rent vs buy analysis | — | ✅ |
| Future utility estimate inputs | — | ✅ |
| Down payment dollar / percent sync | — | ✅ |
| Improve My HAC action plan | — | ✅ |
| Print / Save PDF | — | ✅ |
| Best use case | Quick confidence check | Premium buyer decision support |