Payment & affordability calculator

Run the numbers with your buyer in seconds — the full monthly payment on a home (P&I, tax, insurance, PMI, HOA) and how much home they can afford. Then tour the ones that fit.

Buyer tools

Estimate the monthly payment

Home price

Down payment — 20% ($160,000)

Interest rate — 6.75%

Loan term

Property tax rate (%/yr)

Homeowners insurance ($/yr)

HOA dues ($/mo)

Principal & interest · $640,000 loan$4,151

Property tax$733

Homeowners insurance$233

Estimated total / month$5,118

Estimate only — not a loan offer or approval. A lender verifies income, credit and debts. Confirm current rates and taxes with a licensed lender.

Buyer tools

How much home can your buyer afford?

Annual household income

Monthly debts (cars, cards, loans)

Cash for down payment

Interest rate %

HOA ($/mo)

Comfort level

They could afford a home up to

$751,000

~$5,385/mo · $641,000 loan · 15% down · incl. PMI

Estimate only, based on a 43% debt-to-income target and typical tax/insurance. Not a pre-approval — a lender verifies income, credit and debts.

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