01 — Affordability Calculator

What Can You Actually Afford?

Go beyond what the bank approves. See what you can truly afford based on your full financial picture — savings, goals, and all.

Income & Debt

Annual Gross Income

Monthly Debt Payments (car, student loans, etc.)

Interest Rate

Loan Term

Savings & Goals

Total Savings Available

Emergency Fund to Keep (months of expenses)

Monthly Expenses (non-housing)

Desired Housing Cost-to-Income Ratio

Bank Will Approve

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Based on 43% DTI

You Can Truly Afford

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Based on your full picture

Available Down Payment

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After reserves

Monthly Payment Breakdown at Your True Affordability

Principal & Interest—

Property Tax (est. 1.2%/yr)—

Homeowners Insurance (est.)—

PMI (if down < 20%)—

Total Monthly Housing —

Housing-to-Income Ratio —