Chrome Extension for Home Buyers

Know before
you offer.

Open any listing on Zillow, Redfin, or Realtor.com and instantly see your true monthly cost, price vs. Zestimate, negotiation strategy, and local buyer laws — before you make an offer.

Add to Chrome — Free See features
Free · 5 analyses/month · No credit card required
🏠 HomePilot
Live Analysis
4821 Maple Ave · 3bd/2ba · $589,000
Analyzing listing
Done ✓
Monthly Cost Breakdown
🏦 Mortgage $2,847
📊 Property Tax $614
🛡 Insurance $124
🏘 HOA $180
Total / month $3,765
vs Zestimate ($572K) +$17K above ↑
📉 Negotiate 2–3% down
10+
metrics per analysis
3
sites supported
40+
states with local buyer laws
$0
free to start
How it works
Your co-pilot in three seconds
1

Browse any listing

Open any property on Zillow, Redfin, or Realtor.com. HomePilot detects the address, price, tax, HOA, and Zestimate automatically.

2

Click Calculate Monthly Cost

Enter your down payment and interest rate. HomePilot runs the full mortgage math — PITI, PMI, maintenance reserve, closing costs, and income required.

3

Get your full buyer analysis

See a deal score, negotiation strategy, nearby comps, seller equity estimate, local transfer taxes, and first-time buyer programs — all in one panel.

Features
Everything you need to
make a confident offer
💰
True Monthly Cost
Mortgage, property tax, homeowner's insurance, HOA, PMI, and the maintenance reserve most buyers forget. See the real number before you fall in love.
📊
Price Intelligence
Zestimate delta, days on market signal (Hot / Active / Cooling / Slow), price history, and reduction count — so you know what the market thinks.
🎯
Offer Calculator
Drag a slider from 85% to 110% of list price and watch your monthly payment update in real time. Know exactly what you can afford to offer.
🧾
Closing Cost Estimator
Full itemized breakdown: origination, underwriting, appraisal, title insurance, escrow, prepaids, and state-specific buyer transfer taxes. Total cash needed at closing.
🤝
Negotiation Strategy
Deal score (Great / Good / Fair / Above / Overpriced), offer range guidance, what to ask for, and a nearby comps table to anchor your position.
⚖️
Local Buyer Laws
Transfer taxes, property tax rules, first-time buyer programs, HOA regulations, and mandatory disclosures — for 40+ states and cities.
🏘️
Seller Intelligence
Estimates when the seller bought, what they paid, how much equity they have, and whether they have room to negotiate — all from public price history.
🛡️
Buyer Protection
Red flag detector, pre-offer checklist, contingency guide, and a homebuyer scam awareness panel — so you close with confidence.
📁
Saved Homes
Save up to 20 properties with their full analysis snapshot and compare monthly costs, deal scores, and assumptions side by side.

What does HomePilot show that Zillow's mortgage calculator doesn't?

Zillow's built-in mortgage calculator shows principal and interest only — sometimes with an estimated property tax. HomePilot calculates the full true monthly cost: mortgage payment (with your actual down payment and rate), property tax at local assessment rates, homeowner's insurance estimate, HOA fee from the listing data, PMI for down payments under 20%, and a maintenance reserve (typically 1–1.5% of purchase price annually).

The difference matters significantly at the purchase decision level. A $895,000 home at 7.2% with 20% down has a principal-and-interest payment of ~$4,876/month. With property tax ($747/month), insurance ($485/month), and maintenance reserve ($746/month), the true monthly cost is over $6,850/month — nearly 40% higher than the mortgage payment alone. Zillow shows $4,876; HomePilot shows $6,854.

HomePilot is a free Chrome extension that calculates the true monthly cost of any Zillow, Redfin, or Realtor.com listing — including mortgage, property tax, insurance, HOA, PMI, and maintenance reserve. It also shows how the listing price compares to Zestimate, gives a negotiation strategy, and estimates closing costs and income required.

How does HomePilot calculate the negotiation strategy for a listing?

HomePilot generates a deal score — Great, Good, Fair, Above Market, or Overpriced — based on the delta between the list price and Zestimate (Zillow's automated valuation), combined with days on market. A listing priced 5% below Zestimate that has been on the market for 8 days scores as Good Deal. The same listing priced 10% above Zestimate that's been sitting for 60 days scores as Overpriced.

The negotiation strategy panel adds seller equity intelligence: using the listing's price history, HomePilot estimates when the current seller bought, what they likely paid, and how much equity they have. A seller with 40% equity has more room to negotiate than one who purchased at peak pricing with 10% equity. HomePilot surfaces this context as a plain-language recommendation: whether to offer at list, below list, and what contingencies to include based on the market conditions in that city.

See it in action
Real analysis. Real listings.
HomePilot Costs tab — ownership projection and closing cost estimate
Costs Tab — Ownership projection, value appreciation & closing cost breakdown
HomePilot Local Laws tab — San Francisco transfer tax and first-time buyer programs
Local Laws Tab — Transfer tax, property tax rules & first-time buyer programs
HomePilot Negotiate tab — strategy card and contingencies
Negotiate Tab — Deal strategy, offer guidance & contingencies to include
HomePilot Shield tab — red flags and pre-offer checklist
Shield Tab — Listing red flags, pre-offer checklist & scam awareness

What you'll see

Real analysis — 3 bed · 2 ba in San Francisco, CA · $895,000

📍 1483 Sutter St, San Francisco, CA · 3 bed · 2 ba · 1,420 sqft
✓ Good Deal · 4% below Zestimate · 8 days on market
Mortgage (20% down · 7.2% · 30yr)$4,876/mo
Property tax$747/mo
Insurance$485/mo
Maintenance reserve$746/mo
True Monthly Cost $6,854/mo
Income needed: $293K/yr Closing costs: ~$54K Down: $179K
Pricing
Simple, honest pricing
Free
$0 / month
  • 5 analyses per month
  • True monthly cost breakdown
  • Price intelligence & deal score
  • Offer calculator
  • Local buyer laws
  • No credit card required
Add to Chrome — Free
Most Popular
Pro
$19 / month
  • Unlimited analyses
  • Everything in Free
  • Closing cost estimator
  • Seller equity intelligence
  • Nearby comps table
  • Income required calculator
  • Saved homes comparison
  • Cancel anytime
Start Free Trial
FAQ
Common questions
HomePilot works on Zillow (zillow.com/homedetails/...), Redfin, and Realtor.com listing pages. Navigate to any property listing and the extension activates automatically in the side panel.
HomePilot reads data directly from the listing page you're already viewing — list price, property tax, HOA, Zestimate, days on market, price history, walk scores, and school ratings. No external API calls, no extra fees.
Mortgage math is exact given your inputs. Property tax uses the actual figure from the listing when available, otherwise estimates at 1.1% annually. Insurance is estimated at 0.65%/yr. Maintenance reserve uses the industry standard 1%/yr. Always verify with your lender's Loan Estimate.
All analysis runs locally in your browser. Saved properties are stored in Chrome's local storage on your device. The only data sent to our servers is your account email and usage count. No property data, search history, or financial information is ever stored on our servers.
Yes, cancel anytime from the account panel inside the extension or directly through Stripe's customer portal. You keep Pro access until the end of your billing period.

Stop guessing. Start knowing.

Free to install. 5 analyses per month, no credit card required.

Add to Chrome — It's Free

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