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Purchase Calculator
Estimate your monthly payment, cash to close, and how much home you can afford. Default is Conventional 97 (3% down) — adjust to fit your scenario.
Property & Loan
Taxes, Insurance & HOA
Your Income
Estimated Monthly Payment
$3,374
Principal & Interest
$2,867
Property Tax
$225
Insurance
$100
PMI
$182
Cash to Close (est.)
$26,595
$13,500 down + ~$13,095 closing
Debt-to-Income Ratio
42.6%— Qualifying
Max Affordable Home (at 45% DTI)
$475,854
What's included: Principal & interest, property tax, homeowner's insurance, PMI (if less than 20% down), and HOA. Closing costs estimated at 3% of loan amount. Actual costs vary by lender, location, and loan type.