Doorstep

Doorstep Labs

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About this app

Buying your first home shouldn't feel like guessing. Doorstep gives you a clear, honest picture of what you can actually afford — and a step-by-step plan to get there.

Most calculators give you a number and send you on your way. Doorstep tracks your full financial readiness across seven dimensions — affordability, savings, debt and credit, income stability, down payment, process knowledge, and market awareness — so you always know exactly where you stand.

YOUR READINESS SCORE
Get a personalized 0-100 readiness score based on real lending standards, not generic rules of thumb. Doorstep uses the same DTI ratios and credit-based rate tiers that actual lenders use — 28% front-end and 45% back-end for conventional loans, with adjustments for FHA, VA, USDA, and jumbo programs. Your score updates as your finances change, so you can watch your progress in real time.

LIVE BUYING POWER
See exactly how much home you can afford right now, updated with real mortgage rates from the Federal Reserve. Every time rates move, your buying power adjusts automatically. No more outdated estimates from a calculator you used three months ago.

PERSONALIZED ACTION PLANS
Based on your readiness score, Doorstep builds a prioritized action plan tailored to your situation. Need to reduce debt? Build your emergency fund? Improve your credit? Each action is specific, trackable, and designed to move you closer to being mortgage-ready. Complete actions and watch your score climb.

SMART AFFORDABILITY ANALYSIS
Enter any home price and instantly see your estimated monthly payment, how it fits your budget, and whether it's comfortable, a stretch, or out of reach. Doorstep factors in principal, interest, property taxes, homeowner's insurance, and PMI — the full picture, not just principal and interest.

BROWSE HOMES YOUR WAY
Explore listings personalized to your budget. Every home is tagged as Under Budget, Good Fit, Stretch, or Over Budget based on your actual financial data. See estimated monthly payments on every listing so there are no surprises.

DAILY INSIGHTS
Get push notifications with rate alerts, buying power changes, tips, and encouragement. Doorstep keeps you informed and motivated throughout your journey — whether that's 2 months or 18 months.

YOUR DATA STAYS YOURS
Doorstep is built on a simple principle: your financial data belongs to you. We don't sell your information to lenders, agents, or anyone else. You're not the product — you're the customer. When you're ready to connect with a broker or lender, that's your choice, on your terms.

BUILT FOR FIRST-TIME BUYERS
The home-buying process is overwhelming when you've never done it before. Doorstep breaks it down into clear, manageable steps and gives you the confidence to know when you're truly ready. No jargon, no pressure, no hidden agendas.

FREE TO START, AFFORDABLE TO GROW
Create your profile, get your readiness score, track your buying power, follow your action plan, and browse homes — all free. Upgrade to Doorstep Pro for $3.99/month to unlock automatic bank syncing, advanced financial insights, and premium features that make tracking your progress effortless.

Whether you're just starting to think about buying or you're months into saving for a down payment, Doorstep meets you where you are and helps you get where you want to be.

Your first home is waiting. Know when you're ready.