Your Buying Power

💰 Your Numbers

Start with what you know. Don't worry about being exact — we'll refine these together.

Annual Household Income (before taxes)

Monthly Debt Payments (cards, auto, student loans)

Down Payment

Interest Rate

Loan Term & Type

🧾 Taxes, Insurance & PMI

We start with local estimates — but enter your real numbers anytime for an exact payment. Toggle each one to "My number" to override.

Property Taxes

Estimated tax rate (% of home value / year)

% / yr

≈ $0/mo

Homeowner's Insurance

Estimated annual premium

$ / yr

≈ $0/mo

PMI / Mortgage Insurance

Auto-calculated from your loan type and down payment.

≈ $0/mo

Quick scenarios:

📊 Your Monthly Payment Breakdown

Here's exactly where every dollar of your payment goes — no surprises.

Principal & Interest Property Tax Insurance PMI / MIP

Principal & Interest

Property Taxes (est. 0.85%/yr)

Homeowner's Insurance (est.)

Mortgage Insurance (PMI)

Total Monthly Payment $0

💡

Your debt-to-income ratio looks healthy

This payment fits comfortably within recommended guidelines for your income.

🔑 Cash You'll Need to Close

Your down payment is just part of it. We start with estimates — enter your real numbers anytime for an exact figure.

Closing Costs

Estimated closing costs (% of purchase price)

≈ $0

Annual Percentage Rate (APR)

Note Rate

Your interest rate

→

APR
0%
True cost incl. finance charges

APR is auto-calculated from your rate, loan amount, term, and financed closing costs. It reflects the true annual cost of the loan and is always at or above your note rate.

Prepaids & Escrow

Estimated from ~3 months tax escrow, ~2 months insurance, and prepaid interest.

≈ $0

Seller / Lender Credits (optional)

Credits applied toward your closing costs

Due Diligence & Earnest Money (paid up front)

Due Diligence Fee

Earnest Money Deposit (EMD)

ℹ️

These are typically paid before closing — and credited back to you

Due diligence and earnest money are paid up front when you go under contract. They usually count toward your total funds, then get credited at the closing table, so they reduce your remaining cash to close.

Down Payment

Closing Costs

Prepaids & Escrow

Remaining Cash Due at Closing
$0

Total Funds Needed (incl. up-front Due Diligence + EMD)

This calculator provides estimates for educational purposes only and is not a loan commitment, pre-approval, or offer to lend. Actual rates, payments, taxes, insurance, and closing costs vary by location, credit profile, loan program, and lender. Property tax and insurance estimates are approximations. Contact a licensed mortgage professional for a personalized, accurate assessment. Equal Housing Lender.