Buyer planning
A home budget that starts with your month.
Adjust the numbers to explore a planning estimate. Rates, taxes and insurance below are illustrative assumptions, not a lender quote or pre-approval.
Before tax
Debts and fixed monthly expenses
19% of the estimate
Illustrative rate, not a lender quote
Amortization
Assumes a 36% debt-to-income ceiling, illustrative property tax at 0.85% of value, and $1,800 a year for insurance. Excludes HOA dues and mortgage insurance.
Estimated affordable price
$617,602
A planning estimate using a 30-year loan at 6.4%.
- Principal & interest
- $3,113
- Property tax
- $437
- Homeowner's insurance
- $150
Monthly total
$3,700
Cash to close (down payment + ~2.5%)
$135,440
This tool does not include mortgage insurance, HOA dues, maintenance or closing costs beyond the stated estimate. A qualified lender can review credit, employment and local costs before you make an offer.
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