Filter by Payment & Cash Needed

Summary

Use these filters to show only homes that fit your monthly payment and the cash you can bring to closing. Turn on either filter—or both together.

Where this feature lives

This is a standard Padzilly feature available on desktop and mobile (above the results list).

What “Cash needed” means

Cash needed = down payment + closing costs − any credits (e.g., seller contribution).

How to use

1. Turn on Filter by Payment to show only homes with an estimated monthly payment at or below your payment limit.

2. Turn on Filter by Cash Needed to show only homes where the total cash needed is at or below your cash-needed limit.

3. Turn both on to require homes to meet both limits (recommended).

4. Adjust your limits anytime from your profile or the filter panel; Padzilly applies them when the filters are on.

1. Hint: You can use one or both filters.

Working with SearchPro (how they play together)

SearchPro adds what-if controls that can change whether a home fits your filters:

• Lower price — adjust the Price slider.

• Increase down payment — adjust the Down Payment slider.

• Apply seller contribution — adjust the Seller Contribution slider to use a seller credit for rate buydown or closing costs (available after you upload a lender preapproval or complete Padzilly prequalification).

When you move these sliders, Padzilly recalculates each home’s payment and cash needed using your assumptions (and program contribution limits). Your Filter by Payment and Filter by Cash Needed, then apply to those updated figures.

If you see “No homes match”

• Try relaxing one filter at a time to see which is blocking results.

• Save your search to get alerts when new matches appear.