Mortgage calculator · Closing costs · Pre-approval

What can I afford?

Every home on this site is free. But nothing in VR is really free: it's paid for in watts, bandwidth and patience. We ran the numbers in the only currencies that apply.
Mortgage calculator

Asking price: 3 million polys + real-time lighting = 120 W

The world is free, so we priced it in what you actually pay: three million polygons and real-time lighting draw about 120 watts from your graphics card, every second you stand in the kitchen. Finance it below.

Yes, a watt is a rate, not an amount. So is a mortgage payment. We stand by it.

Closing costs

Closing costs, itemized

There's no purchase, so there's no purchase price. There are still closing costs. There are always closing costs.

Instance transfer tax MB
World download, first visit Cached after that, until you clear your cache to fix something unrelated. 187.00
Reloading every avatar in the instance Sixteen guests at 40 MB each, all downloaded again because one person changed hats. 640.00
Your own avatar, re-uploaded to fix one blendshape The blendshape is still wrong. 92.00
Video player buffering the lo-fi stream Nobody is listening. It buffers anyway. 35.00
Rejoining after the crash Same world, paid twice. Like a real commission. 187.00
Portal dropped by a stranger Free to look at. Taking it is a separate transaction. 0.00
Instance transfer tax due 1,141.00
Agent commission V-Bucks
5% of the purchase price ($0) Your agent still has to be paid in something. 0.00
Staging: one potted plant in the corner The plant came free with a world asset pack. The V-Bucks didn't. 800.00
Celebratory emote at the closing table Non-refundable. Your agent will do it whether you pay or not. 500.00
Credit: you brought your own mirror Saves everyone time. -300.00
Commission due, in V-Bucks 1,000.00
Inspection (Unity Inspector) Warnings
Front door: Missing (Mono Script) The referenced script on this Behaviour is missing. The door opens anyway. Nobody knows why. 1.00
Transform scale: (1, 1, 1.0000002) The house is two ten-millionths of a metre too deep. Structural? No. Unbearable? Yes. 1.00
Staircase: Mesh Collider, Convex unticked You can walk up it. You can also walk into it. 1.00
Static flags: Nothing Fourteen lamps, all real-time. That's where the 120 W comes from. 14.00
Layer: Default. Tag: Untagged Everything in the house is on the same layer, like a family. 1.00
Fridge: Rigidbody, Is Kinematic unticked The fridge fell through the floor and is in the void now. It's still cold. 1.00
Inspector locked to the wrong GameObject The inspector spent forty minutes on a pebble. The report covers the pebble thoroughly. 1.00
Lighting: Auto Generate ticked Baking since Tuesday. 1.00
Warnings in the Console 21.00
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