Downpayment Budget
Cash Available Over Time
Starting balance Jun 1 2026: $130,000
| Date |
Event |
Net |
Cumulative |
| Jun 1 |
Starting balance |
— |
$130,000 |
| Jun 30 |
Monthly income |
+$10,000 |
$140,000 |
| Jul 15 |
AMZN RSU (84.5 sh × $257) |
+$15,906 |
$155,906 |
| Jul 17 |
SYNA RSU (150 sh × $140) |
+$15,380 |
$171,286 |
| ~Jul 22 |
JC56 wire (Spain) |
+$177,800 |
$349,086 |
| Jul 31 |
Monthly income |
+$10,000 |
$359,086 |
| ~Aug 1 |
Property 2 wire (Spain) |
+$98,809 |
$457,895 |
| Aug 15 |
AMZN RSU (302 sh × $257) |
+$56,844 |
$514,739 |
| Aug 31 |
Monthly income |
+$10,000 |
$524,739 |
| Sep 30 |
Monthly income |
+$10,000 |
$534,739 |
| Oct 31 |
Monthly income |
+$10,000 |
$544,739 |
| Nov 30 |
Monthly income |
+$10,000 |
$554,739 |
| Dec 31 |
Monthly income |
+$10,000 |
$564,739 |
Spain Sales
JC56 — Joaquin Costa 56, 3r 4a, Barcelona (closes ≤ Jul 20)
| Item |
EUR |
USD (×1.10) |
| Sale price |
240,000 |
$264,000 |
| − Agent (IVA incl.) |
−10,000 |
−$11,000 |
| − Other closing costs |
−2,500 |
−$2,750 |
| − Mortgage cancellation |
−64,300 |
−$70,730 |
| − IRPF (gain ~7,914 €) |
−1,542 |
−$1,696 |
| Net |
161,658 |
$177,824 |
Property 2 (closes ≤ Jul 29)
| Item |
EUR |
USD (×1.10) |
| Sale price |
147,000 |
$161,700 |
| − Agent (3%, no IVA) |
−4,410 |
−$4,851 |
| − Other closing costs |
−1,500 |
−$1,650 |
| − Mortgage cancellation |
−39,000 |
−$42,900 |
| − IRPF (gain ~58,190 €) |
−12,264 |
−$13,490 |
| Net |
89,826 |
$98,809 |
Bought 2019 (ITP 10%), rented 2019–2025 (~€12k accumulated depreciation), no renovation.
Assumptions
|
|
| EUR/USD |
1.10 |
| Federal withholding |
19% |
| CA state withholding |
7.76% |
| AMZN price |
$257 |
| SYNA price |
$140 |