{"product_id":"what-to-offer-on-a-house","title":"What To Offer On A House Calculator","description":"\u003cstyle\u003e\n.wtoh-calculator {\n  --ink: #0f172a;\n  --muted: #475569;\n  --border: #e2e8f0;\n  --surface: #ffffff;\n  --tint: #f8fafc;\n  --primary: #1d4ed8;\n  --accent: #c2410c;\n  --accent-hover: #9a3412;\n  --chart-1: #1e40af;\n  --chart-2: #0d9488;\n  --chart-3: #7c3aed;\n  --chart-4: #be185d;\n  --chart-5: #334155;\n  width: 100%;\n  max-width: 1200px;\n  margin: 0 auto;\n  color: var(--ink);\n  background: var(--surface);\n  font-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Arial, sans-serif;\n  font-size: 15px;\n  line-height: 1.55;\n  container-type: inline-size;\n}\n.wtoh-calculator,\n.wtoh-calculator *,\n.wtoh-calculator *::before,\n.wtoh-calculator *::after {\n  box-sizing: border-box;\n}\n.wtoh-calculator a {\n  color: var(--primary);\n  text-decoration-thickness: 1px;\n  text-underline-offset: 3px;\n}\n.wtoh-calculator a:hover {\n  text-decoration-thickness: 2px;\n}\n.wtoh-calculator button,\n.wtoh-calculator input {\n  font: inherit;\n}\n.wtoh-calculator button,\n.wtoh-calculator input,\n.wtoh-calculator a {\n  outline: none;\n}\n.wtoh-calculator button:focus-visible,\n.wtoh-calculator input:focus-visible,\n.wtoh-calculator a:focus-visible {\n  box-shadow: 0 0 0 3px rgba(29, 78, 216, .28);\n}\n.wtoh-calculator .wtoh-header {\n  padding: 24px;\n  border: 1px solid var(--border);\n  border-radius: 8px 8px 0 0;\n  background: linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);\n  min-width: 0;\n}\n.wtoh-calculator .wtoh-title {\n  margin: 0;\n  font-size: 24px;\n  line-height: 1.25;\n  font-weight: 700;\n  letter-spacing: -.02em;\n}\n.wtoh-calculator .wtoh-subtitle {\n  margin: 8px 0 0;\n  max-width: 760px;\n  color: var(--muted);\n}\n.wtoh-calculator .wtoh-pills {\n  display: flex;\n  flex-wrap: wrap;\n  gap: 8px;\n  margin-top: 16px;\n  min-width: 0;\n}\n.wtoh-calculator .wtoh-pill {\n  display: inline-flex;\n  align-items: center;\n  gap: 6px;\n  min-width: 0;\n  padding: 6px 10px;\n  border: 1px solid var(--border);\n  border-radius: 999px;\n  background: var(--surface);\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n  line-height: 1.3;\n  font-variant-numeric: tabular-nums;\n}\n.wtoh-calculator .wtoh-pill strong {\n  color: var(--ink);\n  font-weight: 700;\n}\n.wtoh-calculator .wtoh-toolbar {\n  display: flex;\n  flex-wrap: wrap;\n  align-items: center;\n  gap: 12px;\n  padding: 16px 24px;\n  border-inline: 1px solid var(--border);\n  border-bottom: 1px solid var(--border);\n  background: var(--surface);\n  min-width: 0;\n}\n.wtoh-calculator .wtoh-button {\n  min-height: 46px;\n  border: 1px solid transparent;\n  border-radius: 6px;\n  padding: 11px 18px;\n  cursor: pointer;\n  font-size: 15px;\n  font-weight: 700;\n  line-height: 1.2;\n  transition: background-color .15s ease, border-color .15s ease, transform .15s ease, box-shadow .15s ease;\n}\n.wtoh-calculator .wtoh-button:hover {\n  box-shadow: 0 2px 5px rgba(15, 23, 42, .12);\n}\n.wtoh-calculator .wtoh-button:active {\n  transform: translateY(1px);\n}\n.wtoh-calculator .wtoh-download {\n  display: inline-flex;\n  align-items: center;\n  gap: 10px;\n  white-space: nowrap;\n  background: var(--accent);\n  color: #ffffff;\n}\n.wtoh-calculator .wtoh-download:hover {\n  background: var(--accent-hover);\n}\n.wtoh-calculator .wtoh-reset {\n  background: var(--surface);\n  color: var(--ink);\n  border-color: #94a3b8;\n}\n.wtoh-calculator .wtoh-reset:hover {\n  border-color: var(--ink);\n  background: var(--tint);\n}\n.wtoh-calculator .wtoh-excel-icon {\n  width: 20px;\n  height: 20px;\n  flex: 0 0 20px;\n}\n.wtoh-calculator .wtoh-workspace {\n  display: grid;\n  grid-template-columns: minmax(0, 1fr);\n  gap: 16px;\n  padding: 24px;\n  border-inline: 1px solid var(--border);\n  background: var(--tint);\n  min-width: 0;\n}\n.wtoh-calculator .wtoh-panel,\n.wtoh-calculator .wtoh-section {\n  min-width: 0;\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  background: var(--surface);\n  box-shadow: 0 1px 2px rgba(15, 23, 42, .06);\n}\n.wtoh-calculator .wtoh-panel {\n  padding: 20px;\n}\n.wtoh-calculator .wtoh-section {\n  margin-top: 16px;\n  padding: 24px;\n}\n.wtoh-calculator .wtoh-workspace + .wtoh-section,\n.wtoh-calculator .wtoh-section + .wtoh-section {\n  margin-inline: 0;\n}\n.wtoh-calculator .wtoh-section-title,\n.wtoh-calculator .wtoh-panel-title {\n  margin: 0;\n  font-size: 18px;\n  line-height: 1.35;\n  font-weight: 650;\n  letter-spacing: -.01em;\n}\n.wtoh-calculator .wtoh-panel-intro,\n.wtoh-calculator .wtoh-section-intro {\n  margin: 6px 0 0;\n  color: var(--muted);\n  font-size: 14px;\n}\n.wtoh-calculator .wtoh-fields {\n  display: grid;\n  grid-template-columns: repeat(2, minmax(0, 1fr));\n  gap: 16px;\n  margin-top: 20px;\n  min-width: 0;\n}\n.wtoh-calculator .wtoh-field {\n  display: flex;\n  flex-direction: column;\n  min-width: 0;\n}\n.wtoh-calculator .wtoh-label {\n  display: block;\n  margin-bottom: 6px;\n  color: var(--ink);\n  font-size: 14px;\n  font-weight: 600;\n}\n.wtoh-calculator .wtoh-input-shell {\n  position: relative;\n  min-width: 0;\n}\n.wtoh-calculator .wtoh-input {\n  width: 100%;\n  min-height: 46px;\n  padding: 10px 44px 10px 12px;\n  border: 1px solid #94a3b8;\n  border-radius: 6px;\n  background: var(--surface);\n  color: var(--ink);\n  font-size: 15px;\n  line-height: 1.3;\n  font-variant-numeric: tabular-nums;\n}\n.wtoh-calculator .wtoh-input:hover {\n  border-color: #64748b;\n}\n.wtoh-calculator .wtoh-input[aria-invalid=\"true\"] {\n  border-color: #b91c1c;\n  box-shadow: 0 0 0 1px #b91c1c;\n}\n.wtoh-calculator .wtoh-unit {\n  position: absolute;\n  inset-inline-end: 12px;\n  top: 50%;\n  transform: translateY(-50%);\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 700;\n  pointer-events: none;\n}\n.wtoh-calculator .wtoh-helper {\n  min-height: 40px;\n  margin: 6px 0 0;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n  line-height: 1.45;\n}\n.wtoh-calculator .wtoh-error {\n  display: block;\n  min-height: 19px;\n  margin-top: 4px;\n  color: #991b1b;\n  font-size: 13px;\n  font-weight: 600;\n  line-height: 1.4;\n}\n.wtoh-calculator .wtoh-results-top {\n  padding: 16px;\n  border: 1px solid #bfdbfe;\n  border-radius: 8px;\n  background: #eff6ff;\n}\n.wtoh-calculator .wtoh-primary-label {\n  margin: 0;\n  color: #1e3a8a;\n  font-size: 13px;\n  font-weight: 700;\n  letter-spacing: .02em;\n  text-transform: uppercase;\n}\n.wtoh-calculator .wtoh-primary-result {\n  margin: 4px 0 0;\n  color: var(--ink);\n  font-size: 30px;\n  line-height: 1.15;\n  font-weight: 700;\n  font-variant-numeric: tabular-nums;\n  overflow-wrap: anywhere;\n}\n.wtoh-calculator .wtoh-primary-note {\n  margin: 8px 0 0;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.wtoh-calculator .wtoh-result-grid {\n  display: grid;\n  grid-template-columns: repeat(2, minmax(0, 1fr));\n  gap: 12px;\n  margin-top: 16px;\n  min-width: 0;\n}\n.wtoh-calculator .wtoh-result-card {\n  min-width: 0;\n  padding: 14px;\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  background: var(--surface);\n}\n.wtoh-calculator .wtoh-result-card-label {\n  margin: 0;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 600;\n}\n.wtoh-calculator .wtoh-result-card-value {\n  margin: 5px 0 0;\n  color: var(--ink);\n  font-size: 20px;\n  line-height: 1.25;\n  font-weight: 700;\n  font-variant-numeric: tabular-nums;\n  overflow-wrap: anywhere;\n}\n.wtoh-calculator .wtoh-formula {\n  margin-top: 16px;\n  padding: 12px;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  background: var(--tint);\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n  overflow-wrap: anywhere;\n}\n.wtoh-calculator .wtoh-warning {\n  display: none;\n  margin-top: 12px;\n  padding: 10px 12px;\n  border: 1px solid #f59e0b;\n  border-radius: 6px;\n  background: #fffbeb;\n  color: #78350f;\n  font-size: 13px;\n  font-weight: 600;\n}\n.wtoh-calculator .wtoh-warning.wtoh-is-visible {\n  display: block;\n}\n.wtoh-calculator .wtoh-breakdown {\n  margin: 16px 0 0;\n}\n.wtoh-calculator .wtoh-chart-card {\n  min-width: 0;\n  padding: 24px;\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  background: var(--surface);\n  box-shadow: 0 1px 2px rgba(15, 23, 42, .06);\n}\n.wtoh-calculator .wtoh-chart-heading {\n  margin: 0;\n  font-size: 18px;\n  line-height: 1.35;\n  font-weight: 650;\n}\n.wtoh-calculator .wtoh-chart-kicker {\n  margin: 6px 0 0;\n  color: var(--muted);\n  font-size: 14px;\n}\n.wtoh-calculator .wtoh-chart-cluster {\n  display: grid;\n  grid-template-columns: minmax(0, 320px) minmax(0, 430px);\n  justify-content: center;\n  align-items: end;\n  gap: 24px;\n  max-width: 820px;\n  margin: 20px auto 0;\n  min-width: 0;\n}\n.wtoh-calculator .wtoh-chart-card.wtoh-safe-stack .wtoh-chart-cluster {\n  grid-template-columns: minmax(0, 320px);\n  row-gap: 20px;\n}\n.wtoh-calculator .wtoh-plot {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  width: 100%;\n  min-width: 0;\n}\n.wtoh-calculator .wtoh-chart-svg {\n  display: block;\n  width: min(100%, 320px);\n  height: auto;\n  aspect-ratio: 1 \/ 1;\n  overflow: visible;\n}\n.wtoh-calculator .wtoh-donut-track {\n  fill: none;\n  stroke: #e2e8f0;\n  stroke-width: 36;\n}\n.wtoh-calculator .wtoh-donut-segment {\n  fill: none;\n  stroke-width: 36;\n  stroke-linecap: butt;\n}\n.wtoh-calculator .wtoh-donut-total-label {\n  fill: var(--muted);\n  font-size: 13px;\n  font-weight: 600;\n  text-anchor: middle;\n}\n.wtoh-calculator .wtoh-donut-total-value {\n  fill: var(--ink);\n  font-size: 18px;\n  font-weight: 700;\n  text-anchor: middle;\n  font-variant-numeric: tabular-nums;\n}\n.wtoh-calculator .wtoh-legend {\n  display: grid;\n  gap: 10px;\n  align-content: center;\n  min-width: 0;\n}\n.wtoh-calculator .wtoh-legend-row {\n  display: grid;\n  grid-template-columns: 12px minmax(90px, auto) auto auto;\n  align-items: center;\n  justify-content: start;\n  gap: 8px 12px;\n  min-width: 0;\n  color: var(--ink);\n  font-size: 13px;\n  font-weight: 500;\n}\n.wtoh-calculator .wtoh-legend-swatch {\n  width: 12px;\n  height: 12px;\n  border-radius: 3px;\n}\n.wtoh-calculator .wtoh-legend-name {\n  min-width: 0;\n  overflow-wrap: anywhere;\n}\n.wtoh-calculator .wtoh-legend-value,\n.wtoh-calculator .wtoh-legend-percent {\n  white-space: nowrap;\n  font-variant-numeric: tabular-nums;\n}\n.wtoh-calculator .wtoh-legend-value {\n  font-weight: 700;\n}\n.wtoh-calculator .wtoh-legend-percent {\n  color: var(--muted);\n}\n.wtoh-calculator .wtoh-chart-caption {\n  max-width: 820px;\n  margin: 16px auto 0;\n  padding: 10px 12px;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  background: var(--tint);\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.wtoh-calculator .wtoh-empty-state {\n  display: none;\n  margin-top: 16px;\n  padding: 12px;\n  border: 1px dashed #94a3b8;\n  border-radius: 6px;\n  background: var(--tint);\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 600;\n  text-align: center;\n}\n.wtoh-calculator .wtoh-empty-state.wtoh-is-visible {\n  display: block;\n}\n.wtoh-calculator .wtoh-scenario-chart {\n  margin-top: 16px;\n}\n.wtoh-calculator .wtoh-bar-plot {\n  margin-top: 20px;\n  min-width: 0;\n}\n.wtoh-calculator .wtoh-bar-svg {\n  display: block;\n  width: min(100%, 900px);\n  height: auto;\n  margin: 0 auto;\n  overflow: visible;\n}\n.wtoh-calculator .wtoh-grid-line {\n  stroke: #cbd5e1;\n  stroke-width: 1;\n}\n.wtoh-calculator .wtoh-axis-label {\n  fill: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.wtoh-calculator .wtoh-bar-value {\n  fill: var(--ink);\n  font-size: 13px;\n  font-weight: 700;\n  text-anchor: middle;\n}\n.wtoh-calculator .wtoh-bar-label {\n  fill: var(--muted);\n  font-size: 13px;\n  font-weight: 600;\n  text-anchor: middle;\n}\n.wtoh-calculator .wtoh-scenario-legend {\n  display: flex;\n  flex-wrap: wrap;\n  justify-content: center;\n  gap: 8px 16px;\n  margin-top: 16px;\n  min-width: 0;\n}\n.wtoh-calculator .wtoh-scenario-legend-item {\n  display: inline-grid;\n  grid-template-columns: 10px auto auto;\n  align-items: center;\n  gap: 8px;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.wtoh-calculator .wtoh-scenario-legend-item strong {\n  color: var(--ink);\n  font-variant-numeric: tabular-nums;\n}\n.wtoh-calculator .wtoh-table-section {\n  margin-top: 16px;\n  min-width: 0;\n}\n.wtoh-calculator .wtoh-table-overflow {\n  width: 100%;\n  margin-top: 16px;\n  overflow-x: auto;\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  background: var(--surface);\n}\n.wtoh-calculator .wtoh-table {\n  width: 100%;\n  min-width: 720px;\n  border-collapse: collapse;\n  font-size: 13px;\n  font-variant-numeric: tabular-nums;\n}\n.wtoh-calculator .wtoh-table th,\n.wtoh-calculator .wtoh-table td {\n  padding: 12px;\n  border-bottom: 1px solid var(--border);\n  text-align: right;\n  vertical-align: middle;\n  white-space: nowrap;\n}\n.wtoh-calculator .wtoh-table th:first-child,\n.wtoh-calculator .wtoh-table td:first-child {\n  text-align: left;\n}\n.wtoh-calculator .wtoh-table thead th {\n  background: #0f172a;\n  color: #ffffff;\n  font-weight: 700;\n}\n.wtoh-calculator .wtoh-table tbody tr:hover {\n  background: #f8fafc;\n}\n.wtoh-calculator .wtoh-table tbody tr:last-child td {\n  border-bottom: 0;\n}\n.wtoh-calculator .wtoh-table-note {\n  margin-top: 16px;\n  padding: 10px 12px;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  background: var(--tint);\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.wtoh-calculator .wtoh-table-section.wtoh-safe-table-stack .wtoh-table-note {\n  margin-top: 20px;\n}\n.wtoh-calculator .wtoh-chart-summary-table {\n  position: absolute;\n  width: 1px;\n  height: 1px;\n  padding: 0;\n  margin: -1px;\n  overflow: hidden;\n  clip: rect(0, 0, 0, 0);\n  white-space: nowrap;\n  border: 0;\n}\n.wtoh-calculator .wtoh-education {\n  margin-top: 16px;\n  padding: 28px;\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  background: var(--surface);\n}\n.wtoh-calculator .wtoh-education h2 {\n  margin: 28px 0 10px;\n  font-size: 20px;\n  line-height: 1.35;\n  font-weight: 700;\n}\n.wtoh-calculator .wtoh-education h2:first-child {\n  margin-top: 0;\n}\n.wtoh-calculator .wtoh-education h3 {\n  margin: 20px 0 8px;\n  font-size: 17px;\n  line-height: 1.4;\n  font-weight: 700;\n}\n.wtoh-calculator .wtoh-education p,\n.wtoh-calculator .wtoh-education ul {\n  margin: 8px 0 0;\n}\n.wtoh-calculator .wtoh-education ul {\n  padding-left: 22px;\n}\n.wtoh-calculator .wtoh-education li + li {\n  margin-top: 6px;\n}\n.wtoh-calculator .wtoh-disclaimer {\n  margin-top: 20px;\n  padding: 12px;\n  border-left: 4px solid var(--primary);\n  background: #eff6ff;\n  color: #1e3a8a;\n  font-size: 13px;\n  font-weight: 600;\n}\n.wtoh-calculator .wtoh-live {\n  position: absolute;\n  width: 1px;\n  height: 1px;\n  padding: 0;\n  margin: -1px;\n  overflow: hidden;\n  clip: rect(0, 0, 0, 0);\n  white-space: nowrap;\n  border: 0;\n}\n@container (min-width: 900px) {\n  .wtoh-calculator .wtoh-workspace {\n    grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr);\n  }\n}\n@container (max-width: 760px) {\n  .wtoh-calculator .wtoh-fields {\n    grid-template-columns: minmax(0, 1fr);\n  }\n  .wtoh-calculator .wtoh-helper {\n    min-height: 0;\n  }\n}\n@container (max-width: 639px) {\n  .wtoh-calculator .wtoh-header,\n  .wtoh-calculator .wtoh-toolbar,\n  .wtoh-calculator .wtoh-workspace,\n  .wtoh-calculator .wtoh-section,\n  .wtoh-calculator .wtoh-chart-card,\n  .wtoh-calculator .wtoh-education {\n    padding-inline: 16px;\n  }\n  .wtoh-calculator .wtoh-toolbar {\n    align-items: stretch;\n  }\n  .wtoh-calculator .wtoh-button {\n    flex: 1 1 190px;\n    justify-content: center;\n  }\n  .wtoh-calculator .wtoh-result-grid {\n    grid-template-columns: minmax(0, 1fr);\n  }\n  .wtoh-calculator .wtoh-chart-cluster {\n    grid-template-columns: minmax(0, 320px);\n    row-gap: 20px;\n  }\n  .wtoh-calculator .wtoh-legend-row {\n    grid-template-columns: 12px minmax(100px, auto) auto;\n  }\n  .wtoh-calculator .wtoh-legend-percent {\n    grid-column: 2 \/ span 2;\n    padding-left: 0;\n  }\n  .wtoh-calculator .wtoh-chart-caption,\n  .wtoh-calculator .wtoh-table-note {\n    margin-top: 16px;\n  }\n}\n@container (max-width: 390px) {\n  .wtoh-calculator .wtoh-header,\n  .wtoh-calculator .wtoh-toolbar,\n  .wtoh-calculator .wtoh-workspace,\n  .wtoh-calculator .wtoh-section,\n  .wtoh-calculator .wtoh-chart-card,\n  .wtoh-calculator .wtoh-education {\n    padding: 16px 12px;\n  }\n  .wtoh-calculator .wtoh-panel {\n    padding: 16px 12px;\n  }\n  .wtoh-calculator .wtoh-primary-result {\n    font-size: 27px;\n  }\n  .wtoh-calculator .wtoh-legend-row {\n    gap: 6px 8px;\n  }\n  .wtoh-calculator .wtoh-scenario-legend {\n    justify-content: flex-start;\n  }\n}\n\u003c\/style\u003e\n\u003cdiv class=\"wtoh-calculator\" data-calculator-root\u003e\n  \u003csection class=\"wtoh-header\"\u003e\n    \u003ch2 class=\"wtoh-title\"\u003eWhat to Offer on a House Calculator\u003c\/h2\u003e\n    \u003cp class=\"wtoh-subtitle\"\u003eEstimate a disciplined opening offer after renovation costs, your target discount, and an optional investor profit allowance.\u003c\/p\u003e\n    \u003cdiv class=\"wtoh-pills\" aria-label=\"Live calculation summary\"\u003e\n      \u003cspan class=\"wtoh-pill\"\u003eOffer \u003cstrong class=\"wtoh-pill-offer\"\u003e$0.00\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"wtoh-pill\"\u003eBelow FMV \u003cstrong class=\"wtoh-pill-below\"\u003e0.00%\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"wtoh-pill\"\u003eRenovation \u003cstrong class=\"wtoh-pill-reno\"\u003e$0.00\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"wtoh-pill\"\u003eProfit allowance \u003cstrong class=\"wtoh-pill-profit\"\u003e$0.00\u003c\/strong\u003e\u003c\/span\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003cdiv class=\"wtoh-toolbar\" role=\"toolbar\" aria-label=\"Calculator actions\"\u003e\n    \u003cbutton class=\"wtoh-button wtoh-download\" type=\"button\"\u003e\n      \u003csvg class=\"wtoh-excel-icon\" viewbox=\"0 0 24 24\" aria-hidden=\"true\"\u003e\n        \u003cpath fill=\"currentColor\" d=\"M5 2h10l4 4v16H5V2Zm9 2v4h4l-4-4ZM8 11l2.1 3L8 17h2l1.1-1.8L12.2 17h2l-2.1-3 2-3h-2l-1 1.7L10 11H8Z\"\u003e\u003c\/path\u003e\n      \u003c\/svg\u003e\n      \u003cspan\u003eDownload Excel\u003c\/span\u003e\n    \u003c\/button\u003e\n    \u003cbutton class=\"wtoh-button wtoh-reset\" type=\"button\"\u003eReset\u003c\/button\u003e\n  \u003c\/div\u003e\n\n  \u003cdiv class=\"wtoh-workspace\"\u003e\n    \u003csection class=\"wtoh-panel\" aria-labelledby=\"wtoh-inputs-title\"\u003e\n      \u003ch3 class=\"wtoh-panel-title\" id=\"wtoh-inputs-title\"\u003eProperty and offer assumptions\u003c\/h3\u003e\n      \u003cp class=\"wtoh-panel-intro\"\u003eUse recent comparable sales for fair market value and a documented repair estimate for renovation cost.\u003c\/p\u003e\n      \u003cdiv class=\"wtoh-fields\"\u003e\n        \u003cdiv class=\"wtoh-field\"\u003e\n          \u003clabel class=\"wtoh-label\" for=\"wtoh-fmv\"\u003eFair market value (FMV)\u003c\/label\u003e\n          \u003cdiv class=\"wtoh-input-shell\"\u003e\n            \u003cinput class=\"wtoh-input wtoh-currency-input\" id=\"wtoh-fmv\" name=\"wtoh-fmv\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"$77,000.00\" aria-describedby=\"wtoh-fmv-help wtoh-fmv-error\"\u003e\n            \u003cspan class=\"wtoh-unit\"\u003eUSD\u003c\/span\u003e\n          \u003c\/div\u003e\n          \u003cp class=\"wtoh-helper\" id=\"wtoh-fmv-help\"\u003eEstimated value based on comparable sales, condition, and location.\u003c\/p\u003e\n          \u003cspan class=\"wtoh-error\" id=\"wtoh-fmv-error\"\u003e\u003c\/span\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"wtoh-field\"\u003e\n          \u003clabel class=\"wtoh-label\" for=\"wtoh-renovation\"\u003eCost of renovation (COR)\u003c\/label\u003e\n          \u003cdiv class=\"wtoh-input-shell\"\u003e\n            \u003cinput class=\"wtoh-input wtoh-currency-input\" id=\"wtoh-renovation\" name=\"wtoh-renovation\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"$5,000.00\" aria-describedby=\"wtoh-renovation-help wtoh-renovation-error\"\u003e\n            \u003cspan class=\"wtoh-unit\"\u003eUSD\u003c\/span\u003e\n          \u003c\/div\u003e\n          \u003cp class=\"wtoh-helper\" id=\"wtoh-renovation-help\"\u003eLabor, materials, permits, and a reasonable contingency.\u003c\/p\u003e\n          \u003cspan class=\"wtoh-error\" id=\"wtoh-renovation-error\"\u003e\u003c\/span\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"wtoh-field\"\u003e\n          \u003clabel class=\"wtoh-label\" for=\"wtoh-discount\"\u003eDesired discount (DD)\u003c\/label\u003e\n          \u003cdiv class=\"wtoh-input-shell\"\u003e\n            \u003cinput class=\"wtoh-input wtoh-percent-input\" id=\"wtoh-discount\" name=\"wtoh-discount\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"5.00%\" aria-describedby=\"wtoh-discount-help wtoh-discount-error\"\u003e\n            \u003cspan class=\"wtoh-unit\"\u003e%\u003c\/span\u003e\n          \u003c\/div\u003e\n          \u003cp class=\"wtoh-helper\" id=\"wtoh-discount-help\"\u003eNegotiation margin measured as a percentage of fair market value.\u003c\/p\u003e\n          \u003cspan class=\"wtoh-error\" id=\"wtoh-discount-error\"\u003e\u003c\/span\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"wtoh-field\"\u003e\n          \u003clabel class=\"wtoh-label\" for=\"wtoh-profit\"\u003eDesired profit (DP)\u003c\/label\u003e\n          \u003cdiv class=\"wtoh-input-shell\"\u003e\n            \u003cinput class=\"wtoh-input wtoh-percent-input\" id=\"wtoh-profit\" name=\"wtoh-profit\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"0.00%\" aria-describedby=\"wtoh-profit-help wtoh-profit-error\"\u003e\n            \u003cspan class=\"wtoh-unit\"\u003e%\u003c\/span\u003e\n          \u003c\/div\u003e\n          \u003cp class=\"wtoh-helper\" id=\"wtoh-profit-help\"\u003eOptional investor margin; use 0% for a personal-use purchase.\u003c\/p\u003e\n          \u003cspan class=\"wtoh-error\" id=\"wtoh-profit-error\"\u003e\u003c\/span\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n    \u003c\/section\u003e\n\n    \u003csection class=\"wtoh-panel\" aria-labelledby=\"wtoh-results-title\"\u003e\n      \u003ch3 class=\"wtoh-panel-title\" id=\"wtoh-results-title\"\u003eLive offer estimate\u003c\/h3\u003e\n      \u003cp class=\"wtoh-panel-intro\"\u003eThe estimate is a negotiation framework, not an appraisal or lending decision.\u003c\/p\u003e\n      \u003cdiv class=\"wtoh-results-top\"\u003e\n        \u003cp class=\"wtoh-primary-label\"\u003eSuggested offer amount\u003c\/p\u003e\n        \u003cp class=\"wtoh-primary-result\"\u003e$68,150.00\u003c\/p\u003e\n        \u003cp class=\"wtoh-primary-note\"\u003eMaximum calculated opening offer after all selected deductions.\u003c\/p\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"wtoh-result-grid\"\u003e\n        \u003cdiv class=\"wtoh-result-card\"\u003e\n          \u003cp class=\"wtoh-result-card-label\"\u003eDiscount amount\u003c\/p\u003e\n          \u003cp class=\"wtoh-result-card-value wtoh-result-discount\"\u003e$3,850.00\u003c\/p\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"wtoh-result-card\"\u003e\n          \u003cp class=\"wtoh-result-card-label\"\u003eProfit allowance\u003c\/p\u003e\n          \u003cp class=\"wtoh-result-card-value wtoh-result-profit\"\u003e$0.00\u003c\/p\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"wtoh-result-card\"\u003e\n          \u003cp class=\"wtoh-result-card-label\"\u003eTotal below FMV\u003c\/p\u003e\n          \u003cp class=\"wtoh-result-card-value wtoh-result-buffer\"\u003e$8,850.00\u003c\/p\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"wtoh-result-card\"\u003e\n          \u003cp class=\"wtoh-result-card-label\"\u003eOffer as % of FMV\u003c\/p\u003e\n          \u003cp class=\"wtoh-result-card-value wtoh-result-offer-pct\"\u003e88.51%\u003c\/p\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"wtoh-formula\"\u003eOffer = FMV − renovation cost − (discount % × FMV) − (profit % × FMV)\u003c\/div\u003e\n      \u003cdiv class=\"wtoh-warning\" role=\"status\"\u003e\u003c\/div\u003e\n      \u003cdiv class=\"wtoh-live\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n    \u003c\/section\u003e\n  \u003c\/div\u003e\n\n  \u003csection class=\"wtoh-breakdown\" aria-labelledby=\"wtoh-breakdown-title\"\u003e\n    \u003cdiv class=\"wtoh-chart-card wtoh-breakdown-card\"\u003e\n      \u003ch3 class=\"wtoh-chart-heading\" id=\"wtoh-breakdown-title\"\u003eFair market value allocation\u003c\/h3\u003e\n      \u003cp class=\"wtoh-chart-kicker wtoh-breakdown-kicker\"\u003eSee how the estimated property value is divided between your offer and the selected deductions.\u003c\/p\u003e\n      \u003cdiv class=\"wtoh-chart-cluster\"\u003e\n        \u003cdiv class=\"wtoh-plot\"\u003e\n          \u003csvg class=\"wtoh-chart-svg\" viewbox=\"0 0 320 320\" role=\"img\" aria-labelledby=\"wtoh-donut-title wtoh-donut-desc\"\u003e\n            \u003ctitle id=\"wtoh-donut-title\"\u003eFair market value allocation chart\u003c\/title\u003e\n            \u003cdesc id=\"wtoh-donut-desc\"\u003eAllocation of fair market value between offer, renovation, desired discount, and desired profit.\u003c\/desc\u003e\n            \u003cg class=\"wtoh-donut-group\" transform=\"rotate(-90 160 160)\"\u003e\u003c\/g\u003e\n            \u003ctext class=\"wtoh-donut-total-label\" x=\"160\" y=\"150\"\u003eFair market value\u003c\/text\u003e\n            \u003ctext class=\"wtoh-donut-total-value\" x=\"160\" y=\"177\"\u003e$77,000\u003c\/text\u003e\n          \u003c\/svg\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"wtoh-legend\" aria-label=\"Fair market value allocation legend\"\u003e\u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"wtoh-chart-caption wtoh-breakdown-caption\"\u003e\u003c\/div\u003e\n      \u003cdiv class=\"wtoh-empty-state wtoh-breakdown-empty\"\u003eEnter a fair market value above zero to see the allocation.\u003c\/div\u003e\n      \u003ctable class=\"wtoh-chart-summary-table\"\u003e\n        \u003ccaption\u003eFair market value allocation data\u003c\/caption\u003e\n        \u003cthead\u003e\u003ctr\u003e\n\u003cth scope=\"col\"\u003eCategory\u003c\/th\u003e\n\u003cth scope=\"col\"\u003eAmount\u003c\/th\u003e\n\u003cth scope=\"col\"\u003ePercent\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n        \u003ctbody class=\"wtoh-breakdown-summary-body\"\u003e\u003c\/tbody\u003e\n      \u003c\/table\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003csection class=\"wtoh-scenario-chart\" aria-labelledby=\"wtoh-scenario-chart-title\"\u003e\n    \u003cdiv class=\"wtoh-chart-card wtoh-scenario-card\"\u003e\n      \u003ch3 class=\"wtoh-chart-heading\" id=\"wtoh-scenario-chart-title\"\u003eOffer sensitivity\u003c\/h3\u003e\n      \u003cp class=\"wtoh-chart-kicker\"\u003eCompare the current estimate with four practical assumption changes.\u003c\/p\u003e\n      \u003cdiv class=\"wtoh-bar-plot\"\u003e\n        \u003csvg class=\"wtoh-bar-svg\" viewbox=\"0 0 900 330\" role=\"img\" aria-labelledby=\"wtoh-bar-title wtoh-bar-desc\"\u003e\n          \u003ctitle id=\"wtoh-bar-title\"\u003eOffer sensitivity bar chart\u003c\/title\u003e\n          \u003cdesc id=\"wtoh-bar-desc\"\u003eSuggested offer amounts under five scenarios.\u003c\/desc\u003e\n          \u003cg class=\"wtoh-bar-grid\"\u003e\u003c\/g\u003e\n          \u003cg class=\"wtoh-bars\"\u003e\u003c\/g\u003e\n        \u003c\/svg\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"wtoh-scenario-legend\" aria-label=\"Offer sensitivity legend\"\u003e\u003c\/div\u003e\n      \u003cdiv class=\"wtoh-chart-caption wtoh-scenario-caption\"\u003e\u003c\/div\u003e\n      \u003cdiv class=\"wtoh-empty-state wtoh-scenario-empty\"\u003eEnter a fair market value above zero to compare scenarios.\u003c\/div\u003e\n      \u003ctable class=\"wtoh-chart-summary-table\"\u003e\n        \u003ccaption\u003eOffer sensitivity chart data\u003c\/caption\u003e\n        \u003cthead\u003e\u003ctr\u003e\n\u003cth scope=\"col\"\u003eScenario\u003c\/th\u003e\n\u003cth scope=\"col\"\u003eOffer amount\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n        \u003ctbody class=\"wtoh-scenario-summary-body\"\u003e\u003c\/tbody\u003e\n      \u003c\/table\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003csection class=\"wtoh-section wtoh-table-section\" aria-labelledby=\"wtoh-scenarios-title\"\u003e\n    \u003ch3 class=\"wtoh-section-title\" id=\"wtoh-scenarios-title\"\u003eScenario comparison table\u003c\/h3\u003e\n    \u003cp class=\"wtoh-section-intro\"\u003eReview how one assumption change at a time affects the calculated offer.\u003c\/p\u003e\n    \u003cdiv class=\"wtoh-table-overflow\"\u003e\n      \u003ctable class=\"wtoh-table\"\u003e\n        \u003cthead\u003e\n          \u003ctr\u003e\n            \u003cth scope=\"col\"\u003eScenario\u003c\/th\u003e\n            \u003cth scope=\"col\"\u003eFMV\u003c\/th\u003e\n            \u003cth scope=\"col\"\u003eRenovation\u003c\/th\u003e\n            \u003cth scope=\"col\"\u003eDiscount\u003c\/th\u003e\n            \u003cth scope=\"col\"\u003eProfit\u003c\/th\u003e\n            \u003cth scope=\"col\"\u003eOffer\u003c\/th\u003e\n            \u003cth scope=\"col\"\u003eOffer \/ FMV\u003c\/th\u003e\n          \u003c\/tr\u003e\n        \u003c\/thead\u003e\n        \u003ctbody class=\"wtoh-scenario-table-body\"\u003e\u003c\/tbody\u003e\n      \u003c\/table\u003e\n    \u003c\/div\u003e\n    \u003cdiv class=\"wtoh-table-note\"\u003eEach row changes only the assumption named in the first column. The offer is floored at $0 when deductions exceed fair market value.\u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003csection class=\"wtoh-education\"\u003e\n    \u003ch2\u003eWhat this house offer calculator estimates\u003c\/h2\u003e\n    \u003cp\u003eThis calculator estimates an opening offer by starting with the home’s fair market value and subtracting three buyer-specific allowances: renovation cost, a desired negotiation discount, and an optional investor profit margin. The result is not a prediction of what a seller will accept. It is a consistent way to translate property facts and your objectives into a dollar amount before emotions, urgency, or competitive pressure influence the discussion.\u003c\/p\u003e\n    \u003cp\u003eFair market value should come from recent comparable sales, condition adjustments, location, lot characteristics, and professional judgment—not simply the seller’s asking price. A licensed appraiser or knowledgeable real estate professional may provide a more defensible value. The \u003ca href=\"https:\/\/www.consumerfinance.gov\/owning-a-home\/\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eConsumer Financial Protection Bureau’s homebuying resources\u003c\/a\u003e explain the broader purchase process, while the \u003ca href=\"https:\/\/www.hud.gov\/buying\/\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eU.S. Department of Housing and Urban Development\u003c\/a\u003e provides practical buyer guidance.\u003c\/p\u003e\n\n    \u003ch2\u003eHow to complete each input\u003c\/h2\u003e\n    \u003ch3\u003eFair market value (FMV)\u003c\/h3\u003e\n    \u003cp\u003eEnter the estimated current market value in U.S. dollars. This field is required and must be greater than zero. A higher FMV raises the offer, but it also increases the dollar value of percentage-based discount and profit allowances. Use recently closed comparable sales whenever possible. Active listings can indicate competition, but they do not prove what buyers actually paid. The \u003ca href=\"https:\/\/www.fhfa.gov\/data\/hpi\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eFHFA House Price Index\u003c\/a\u003e can add market context, although it is not a substitute for property-level comparable analysis.\u003c\/p\u003e\n\n    \u003ch3\u003eCost of renovation (COR)\u003c\/h3\u003e\n    \u003cp\u003eEnter the expected repair and improvement budget in dollars. Zero is valid for a move-in-ready property. Include contractor labor, materials, permits, design or engineering costs, cleanup, and an appropriate contingency for hidden conditions. A higher renovation estimate reduces the calculated offer dollar for dollar. Avoid counting ordinary future maintenance as an immediate renovation unless it is required to make the property safe, functional, insurable, or consistent with your valuation assumptions.\u003c\/p\u003e\n\n    \u003ch3\u003eDesired discount (DD)\u003c\/h3\u003e\n    \u003cp\u003eEnter the negotiation discount as a percentage of FMV. A 5% discount on a $300,000 property equals $15,000. Higher discounts reduce the offer and may provide a larger buffer for uncertainty, but they can also make an offer less competitive. The right percentage depends on days on market, competing offers, inspection findings, financing terms, seller motivation, and local inventory. Do not apply a large discount merely because the listing price feels high; first test whether the FMV estimate itself should be lower.\u003c\/p\u003e\n\n    \u003ch3\u003eDesired profit (DP)\u003c\/h3\u003e\n    \u003cp\u003eEnter an investor profit allowance as a percentage of FMV. Use 0% when purchasing primarily for personal occupancy and you do not need a resale margin. For an investment or flip, this allowance is only a simplified target—not a full return model. It does not separately account for financing interest, property taxes, insurance, utilities, selling commissions, closing costs, income taxes, holding time, or market risk. Raising the profit percentage lowers the maximum calculated offer.\u003c\/p\u003e\n\n    \u003ch2\u003eHow the calculation works\u003c\/h2\u003e\n    \u003cp\u003eThe model uses: offer = FMV − renovation cost − discount amount − profit allowance. Discount amount equals FMV multiplied by the desired discount percentage. Profit allowance equals FMV multiplied by the desired profit percentage. With an FMV of $77,000, renovation cost of $5,000, a 5% discount, and 0% desired profit, the result is $68,150: $77,000 minus $5,000 minus $3,850.\u003c\/p\u003e\n    \u003cp\u003eIf total deductions exceed FMV, the displayed offer is capped at $0 because a negative purchase offer is not operationally meaningful. The warning identifies the excess amount so you can revisit the valuation, renovation scope, or target margins. This cap is a presentation safeguard; it does not imply that the property has no value.\u003c\/p\u003e\n\n    \u003ch2\u003eHow to interpret the results and visuals\u003c\/h2\u003e\n    \u003cp\u003e\u003cstrong\u003eSuggested offer amount\u003c\/strong\u003e is the maximum opening offer under the assumptions entered. \u003cstrong\u003eDiscount amount\u003c\/strong\u003e is the dollar value of DD. \u003cstrong\u003eProfit allowance\u003c\/strong\u003e is the dollar value reserved for DP. \u003cstrong\u003eTotal below FMV\u003c\/strong\u003e combines renovation, discount, and profit deductions. \u003cstrong\u003eOffer as a percentage of FMV\u003c\/strong\u003e shows how aggressive the offer is relative to estimated value. A result near 100% means limited deductions; a lower percentage indicates a larger repair, negotiation, or profit buffer.\u003c\/p\u003e\n    \u003cp\u003eThe allocation donut divides FMV into the offer and applied deductions. Its categories always reconcile to FMV, so it is useful for checking whether one assumption dominates. The sensitivity chart and table recalculate the offer under practical alternatives: removing the discount, removing profit, increasing renovation cost by 10%, and reducing FMV by 5%. These are not forecasts. They show which assumptions have the largest immediate effect.\u003c\/p\u003e\n\n    \u003ch2\u003ePractical checks before making an offer\u003c\/h2\u003e\n    \u003cul\u003e\n      \u003cli\u003eConfirm that comparable properties are genuinely similar in location, size, condition, age, and major features.\u003c\/li\u003e\n      \u003cli\u003eSeparate cosmetic upgrades from repairs required for safety, financing, insurance, or habitability.\u003c\/li\u003e\n      \u003cli\u003eReview inspection contingencies, appraisal contingencies, financing terms, earnest money, and closing dates alongside price.\u003c\/li\u003e\n      \u003cli\u003eEstimate cash needed at closing independently. The \u003ca href=\"https:\/\/my%0Ahome.freddiemac.com\/buying\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eFreddie Mac homebuying guide\u003c\/a\u003e explains common purchase costs and process steps.\u003c\/li\u003e\n      \u003cli\u003eFor an investment purchase, build a separate model for holding costs, financing, resale costs, taxes, time, and downside scenarios.\u003c\/li\u003e\n    \u003c\/ul\u003e\n    \u003cp\u003eCommon mistakes include treating list price as FMV, using an optimistic renovation budget, double-counting the same risk in both renovation and discount, and assuming a target profit is guaranteed. A strong offer analysis distinguishes observed facts from negotiating preferences and keeps written support for every major assumption.\u003c\/p\u003e\n    \u003cdiv class=\"wtoh-disclaimer\"\u003eThis calculator provides general educational estimates and does not constitute financial, legal, tax, appraisal, lending, or real estate advice.\u003c\/div\u003e\n  \u003c\/section\u003e\n\u003c\/div\u003e","brand":"FinancialModelsLab","offers":[{"title":"Default Title","offer_id":49909484912883,"sku":"what-to-offer-on-a-house","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0522\/6191\/2762\/files\/what-to-offer-on-a-house.webp?v=1783935455","url":"https:\/\/financialmodelslab.com\/products\/what-to-offer-on-a-house","provider":"Financial Models Lab","version":"1.0","type":"link"}