How much home can you afford?
Annual household income
Monthly debt payments
Down payment
Interest rate
Loan term
Estimated comfortable price
Estimated monthly total:
| Principal & interest | |
| Property tax | |
| Homeowner's insurance | |
| HOA dues | |
| Mortgage insurance (PMI) when down payment is under 20% | |
| Estimated monthly total |
Adjust the assumptions
Property tax rate
Monthly insurance
Monthly HOA dues
A planning estimate, not a loan decision. This uses the common 28/36 guideline with the assumptions above, and estimates PMI at 0.5% per year of the loan when the down payment is under 20%. It is not a pre-approval, a loan offer, or a rate quote. Real affordability depends on your credit, your full debts, and current rates - that determination belongs to a licensed lender.
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