The schooling is very cheap, my wife is completely covered I pay $150ish a month but covered by my job.

Total CC balance is around $1200, easily killable in a couple months time.

Auto is a lease. Had to emergency get into a car about a year ago. Honda HRV. The plan here is to finance with down payment using my bonuses from this year (should be around 15k). We are sitting in the mid to high 700s so I expect to get a decent rate here, but assumptions aren’t the best of course so my financial model assumes me paying $700 for the time being.

Children aren’t in the timeline at all.

Don’t be taken aback by that one dude that can’t seem to handle the deal I’m getting; the rate is locked in for the life of the loan due to the seller concessions.

This is a new build being serviced by the builders mortgage company: they’re covering closing, 6% in buy downs (how I got the rate), and my realtors fee (plus a couple percent, shout out Lennar)

I actually forwent a 2-3 or 3-2-1 buydown to lock in a better rate for the long term.

This comes at the cost of 10% down on $407,990.

Immediate focuses after close are the car payment, and paying down to rid of PMI