DECLARED & DECREED · AMEN
The house is already yours.
We're just walking to it.
One target: keys to a $400,000 home by March 2027. Two mountains between here and there — the credit score and the cash. Every week on this page moves both.
Mountain I — The Score
487 mid today
459–519 est. rangetarget 620+
✓ All 3 bureaus parsed & scored (Jul 2026)
→ Pay Chime to $0 · +15 pts (this month)
→ Dispute/settle 4 collections · engine says +52 combined
→ Natural aging +22 by Dec · projected 610–640 at application
Mountain II — The Cash
$3,400 / $24,000
down payment + closing fund14%
✓ Budget locked: $2,221.36/Tue · 35 checks May–Dec
→ Rent-save discipline $2,300/mo (on pace)
→ Bonus weeks 9/29 + 12/29 → fund ($2,985)
→ FHA needs $14,000 down + ~$10k closing on $400k
THIS WEEK'S MOVE: Tuesday's check (07-14 W2): monthlys are light ($93) — push $821 to rent-save, keep $375. And send the Chime payoff: +15 points is sitting right there.
The Ledger
Every item, judged.
Pick a loan type, pick a bureau, pick a bucket — then click any item to see exactly what each move is worth. What to fight, what to pay, what to leave to time, what to keep.
The Ledger
Budget 2026 · May → Dec
Paid Tuesday. Planned Tuesday.
$2,221.36 every Tuesday · 35 paychecks · 3 bonus weeks. Tap a number to edit — totals recalc instantly and save to your vault.
This week & next
TUE JUL 14
Week 2 of July · ★ current
Core fixed
Child support W2
W2 monthlys
Rent save
Total out$1,845.45
Cash kept$375.91
TUE JUL 21
Week 3 · childcare Mon 7/27
Core fixed
Child support W3
W3 monthlys
Daycare
Rent save
Total out$1,845.45
Cash kept$375.91
TUE JUL 28
Week 4 · reduced support
Core fixed
Child support W4
Rent save
Total out$1,845.44
Cash kept$375.92
Monthly rollup
| Month | Checks | Income | Out | Cash kept |
|---|---|---|---|---|
| MAY | 4 | $8,885 | $7,504 | $1,381 |
| JUNE ★ | 5 | $11,107 | $8,123 | $2,984 |
| JULY | 4 | $8,885 | $7,504 | $1,381 |
| AUGUST | 4 | $8,885 | $7,504 | $1,381 |
| SEPTEMBER ★ | 5 | $11,107 | $8,343 | $2,764 |
| OCTOBER | 4 | $8,885 | $7,504 | $1,381 |
| NOVEMBER | 4 | $8,885 | $7,504 | $1,381 |
| DECEMBER ★ | 5 | $11,107 | $8,123 | $2,984 |
| TOTAL | 35 | $77,748 | $62,108 | $15,639 |
The Mortgage Room
Know your payment before the bank does.
FHA by default — switch programs anytime. The rate follows your mortgage mid-score tier, so this calculator and your credit Ledger are one machine.
$3,116
estimated monthly payment
The score-to-rate ladder — what each tier is worth
Same house, same loan — the only thing changing is your mid-score. This is why the Ledger work pays a salary.