Texas buyer deskHome Vantage

Sample only. The address, price, and condition notes are invented so you can see the file format. They are not a listing.

House report

1800 Example Oak, San Antonio, TX 78259

San Antonio, TX 78259

Negotiatebalanced leverage

This is a sample file with invented facts. It shows how a real report separates a modeled note from something you still have to verify. It is not a listing and not an offer recommendation.

The old fit number is a model input, not the decision. Read the truth file and set your own weights in the comparison room.

Asking

$389,000

Offer band

$372,000 to $381,000

Beds / baths

4 / 2

Year / sqft

2004 · 2140

Construction

Site-built

Pros

Sample: layout matches a four-bedroom need

Invented for the sample. A real file would cite the source of the bed count.

Layout · medium

Cons

Sample: roof age is unverified

Invented. The verification step is an insurance quote and an inspection.

Condition · high

Climate, hazard, and insurance pressure

Flood. Sample note: confirm the FEMA zone for this fictional parcel. Zone X is not a promise of a dry house.

Heat. Sample note: ask for HVAC age and a year of electric bills.

Insurance. Sample note: a 2004 roof in hail country needs a quote before anyone goes hard.

30-year outlook. Sample note: heat, hail, and the insurance bill matter more than the paint color.

Hail / severe storm

Very High

Sample regional note, not a claim history.

Extreme heat

High

Sample note for cooling load.

Flood

Moderate

Sample note. Order the parcel determination.

Flags

watch

Sample flag

No seller disclosure was pasted into this sample.

Disclosure review

Disclosure

None supplied in the sample.

Do this: Read the seller's disclosure before touring.

Educational comps

These are planning comps, not a licensed CMA. Replace them with live MLS solds before you write.

Sample comp, not a sale

$375,000

Educational placeholder. Not a CMA.

Offer strategy

  1. Sample only. A licensed agent prices a real contract from live sales.

Ask before you write

  • What is the roof age on this sample house?
  • What did insurance cost last year?

Sources

Property truth file

Finding, evidence, impact, next check.

Retrieved 9/26/2026, 3:00:00 PM · homevantage-sample

A sentence is labeled with where it came from. Modeled numbers are not records. Anything that could bind you waits for a licensed agent.

Tour this homeOpen the offer room
factmedium confidenceYou supplied this

1800 Example Oak, San Antonio, TX 78259

Evidence
San Antonio, TX, 78259
Source
Address as typed
Possible impact
Every later fact hangs on this match. A wrong parcel makes the file wrong.
Verification · buyer
Confirm the parcel with the listing agent and the county appraisal district.
factmedium confidenceYou supplied this

Asking price entered as $389,000.

Evidence
Supplied with the analysis request. Not read from a live listing feed.
Source
Buyer or form entry
Possible impact
Offer band, payment, and cash to close all scale from this number.
Verification · agent
Match it to the current list price before anyone writes.
risklow confidenceModeled

Sample note: confirm the FEMA zone for this fictional parcel. Zone X is not a promise of a dry house.

Evidence
Regional climate note. Not a parcel flood certificate.
Possible impact
Flood insurance can change whether the payment still fits.
Verification · insurer
Order a flood determination before the option period ends.
risklow confidenceModeled

Hail / severe storm: Very High.

Evidence
Sample regional note, not a claim history.
Source
Home Vantage regional hazard profile
Possible impact
This is a reason to get a quote or an inspection, not a reason to skip one.
Verification · inspector
Ask the insurer and the inspector about this specific house.
risklow confidenceModeled

Extreme heat: High.

Evidence
Sample note for cooling load.
Source
Home Vantage regional hazard profile
Possible impact
This is a reason to get a quote or an inspection, not a reason to skip one.
Verification · inspector
Ask the insurer and the inspector about this specific house.
risklow confidenceModeled

Flood: Moderate.

Evidence
Sample note. Order the parcel determination.
Source
Home Vantage regional hazard profile
Possible impact
This is a reason to get a quote or an inspection, not a reason to skip one.
Verification · insurer
Ask the insurer and the inspector about this specific house.
costlow confidenceModeled

Principal and interest: about $2,018 a month.

Evidence
Illustrative 6.8% on a 30-year loan after $77,800 down. Not a lender quote.
Source
Home Vantage carrying-cost model
Possible impact
Use it to see if the house fits the payment you already chose. Replace it before you write.
Verification · lender
Lender for the payment. County for the tax. Insurer for the premium. HOA for the dues.
costlow confidenceModeled

Property tax: about $583 a month.

Evidence
Modeled from a state planning rate. The county appraisal district sets the bill.
Source
Home Vantage carrying-cost model
Possible impact
Use it to see if the house fits the payment you already chose. Replace it before you write.
Verification · buyer
Lender for the payment. County for the tax. Insurer for the premium. HOA for the dues.
costlow confidenceNeeds a quote

Homeowners insurance: about $259 a month.

Evidence
Planning pressure only. Roof, flood zone, and claims history change the quote.
Source
Home Vantage carrying-cost model
Possible impact
Use it to see if the house fits the payment you already chose. Replace it before you write.
Verification · insurer
Lender for the payment. County for the tax. Insurer for the premium. HOA for the dues.
costlow confidenceNeeds a quote

HOA: about $0 a month.

Evidence
Not included until the resale certificate or listing states the dues.
Source
Home Vantage carrying-cost model
Possible impact
Use it to see if the house fits the payment you already chose. Replace it before you write.
Verification · lender
Lender for the payment. County for the tax. Insurer for the premium. HOA for the dues.
costlow confidenceModeled

Repair reserve: about $324 a month.

Evidence
A 1% of price planning reserve. An inspection replaces this number.
Source
Home Vantage carrying-cost model
Possible impact
Use it to see if the house fits the payment you already chose. Replace it before you write.
Verification · lender
Lender for the payment. County for the tax. Insurer for the premium. HOA for the dues.
marketlow confidenceModeled

1 educational comps are in the file. They are not a licensed CMA.

Evidence
Sample comp, not a sale
Source
Educational planning set
Possible impact
The offer band is a briefing. A licensed agent prices the contract from live sales.
Verification · agent
Replace these with live solds before an offer is prepared.
questionmedium confidenceFresh

What is the roof age on this sample house?

Evidence
Open verification step from the report.
Source
Home Vantage question list
Possible impact
Unanswered items stay on the tour checklist and the offer packet.
Verification · agent
Assign it to the listing agent, inspector, insurer, lender, HOA, title, or builder.
questionmedium confidenceFresh

What did insurance cost last year?

Evidence
Open verification step from the report.
Source
Home Vantage question list
Possible impact
Unanswered items stay on the tour checklist and the offer packet.
Verification · agent
Assign it to the listing agent, inspector, insurer, lender, HOA, title, or builder.

Cost to own

Modeled monthly total $3,184. Principal and interest $2,018.

  • Principal and interest · $2,018 / month. Illustrative 6.8% on a 30-year loan after $77,800 down. Not a lender quote.
  • Property tax · $583 / month. Modeled from a state planning rate. The county appraisal district sets the bill.
  • Homeowners insurance · $259 / month. Planning pressure only. Roof, flood zone, and claims history change the quote.
  • HOA · $0 / month. Not included until the resale certificate or listing states the dues.
  • Repair reserve · $324 / month. A 1% of price planning reserve. An inspection replaces this number.

Not included: Flood insurance, if the parcel requires it, Mortgage insurance, if the loan requires it, Utilities, Warranties and builder incentives.