Funding the Move
Live equity from the Home Payoff tab, against the Phase 0+1 target budget.
Land purchase plus a starter structure built as a future outbuilding, inflation-adjusted with a 15% contingency.
Monthly amount needed to close the gap, recalculated live from current equity.
This treats the whole gap as new cash needed — it doesn't net out the equity that builds on its own from normal mortgage paydown and home appreciation over the horizon. That makes it a conservative overestimate (safer to over-save than under-save), not a precise figure.
Closing the gap through aggressive extra mortgage principal payments — a predictable, risk-free return — rather than a separate savings account. A small liquid buffer (10–15% of the gap) is kept on the side for closing costs.
A 401(k) first-time-homebuyer exception doesn't apply here (not a first-time buyer). A 401(k) loan is the realistic penalty-free fallback if ever needed, but it isn't the primary plan.