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Downsizing, made calmer
Low old mortgage rates and too few smaller homes keep many people in houses that no longer fit. Here's how people are getting unstuck — starting with your own numbers.
Your numbers in 60 seconds
Slide the numbers to match your situation. Nothing is saved or sent unless you ask me to follow up.
Monthly housing cost (mortgage + property tax + HOA)
Estimates only. Insurance, utilities and moving costs aren't included. Tax rates per $100 of assessed value, September 2026.
Tap a worry
Then don't take a new one. Many long-time owners have enough equity to buy the smaller home with cash from the sale — and today's 7.03% rate never touches them. The calculator below shows whether that works for you.
One-level homes and condos with elevators are scarce, and the good ones go fast. I check Bright MLS every morning for new and Coming Soon listings in the areas you care about, so you hear about them the day they appear.
You may not have to. A rent-back lets you stay in your home for a while after settlement. Or you can buy first using a bridge loan or home-equity line — a lender can tell you what fits. I'll line up the timing so there's one calm move.
Married couples can often exclude up to $500,000 of profit on a main home ($250,000 if single) when they meet the ownership and use rules. Talk with a tax professional about your situation.
Fairfax County and nearby cities offer real estate tax relief for qualifying older adults and people with disabilities. I'll point you to the right office.
That's normal. We can start with a no-pressure conversation — with or without the family — and just look at options. You decide the pace.
Where people downsize to
No stairs, no yard work, often walkable. Popular in Reston, Tysons, Falls Church, Arlington and Alexandria.
Ramblers and homes with a main-floor bedroom. Scarce — so I watch for them daily.
Neighbors your age, clubs and activities, and the outside maintenance handled for you.
Near children and grandchildren — anywhere in Northern Virginia.
Why work with Clay
"I've spent fifteen years at an adult day care center — the last three as its manager. I know a move after many years is more than a sale."
We go at your pace. Many of my conversations start a year before anyone moves.
I'm glad to meet with adult children too, and keep everyone on the same page.
Movers, estate sales, repairs and settlement dates coordinated around you. Read the step-by-step guide →
Contact
Tell me a little about what you're looking for. I'll reply personally, usually within one business day.
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