How It Works

Stockstead compares three strategies for funding your home purchase down payment. Here's what each scenario means and when it might be right for you.

Scenario A: Pure Cash

Use only your cash savings for the down payment. Your investments stay untouched.

Best for: People with sufficient cash who want to preserve investments.

Scenario B: Liquidate Investments

Sell stocks/investments to fund part or all of the down payment. Includes capital gains taxes.

Best for: People with high-gain stocks who need liquidity or want to reduce portfolio concentration.

Scenario C: SBLOC

Borrow against your portfolio for the down payment. No taxes, investments keep growing.

Best for: People who expect investments to outperform SBLOC rates and want tax efficiency.

Understanding the Results

Net Position: Your total wealth (portfolio + home equity) at the end of the analysis period
Monthly Cost: Total monthly housing expenses including mortgage, taxes, maintenance, and SBLOC interest
Total Taxes: Capital gains taxes paid when liquidating investments