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Mortgage Affordability Calculator

Affordability Calculator

ConventionalFHAVAUSDAJumbo
Gross Income (Monthly)
This is the gross monthly income before taxes are taken out. Only use income that will likely continue.
$

Monthly Debts

Auto loans (Monthly)
$
Student loans (Monthly)
$
Credit cards (Monthly)
$
Alimony & Child Support (Monthly)
$
Rental Property Loans (Monthly)
$
Other payments (Monthly)
$
Home Price
$
Down Payment
{{ downPaymentMode === 'percent' ? '%' : '$' }}
Loan Term
Base Mortgage Amount
$
Interest Rate ⓘ
%
Credit Score
Property State
Property Tax (Yearly)
{{ propertyTaxMode === 'percent' ? '%' : '$' }}
Homeowners Insurance (Yearly)
$
HOA Dues (Monthly)
$
PMI (Monthly, estimate)
$
Estimated from your down payment and credit score. Type your own amount if you have a quote. Clear the box to get the estimate back.
Your debt to income ratio is inside the common guideline for this program. Your debt to income ratio is above the common guideline for this program.
Your Debt to Income Ratio
{{ dtiSummary }}
front end / back end
Common Back End Guideline
{{ guide.back }}%
many lenders allow more with a strong file
{{ dtiMessage }}
Monthly Mortgage Payment
{{ formatCurrency(totalMonthlyPayment) }}

See below for an estimate including Principal, Interest, Taxes, and Insurance

{{ rateNote }}

Payment Breakdown

{{ item.label }}
{{ formatCurrency(item.value) }}

Loan Details

Home Value{{ formatCurrency(homePrice) }}
Mortgage Amount{{ formatCurrency(loanAmount) }}
Monthly Conventional Payment{{ formatCurrency(monthlyPI) }}
Down Payment{{ formatCurrency(downPaymentAmount) }}
Monthly Estimated PMI{{ formatCurrency(monthlyPMI) }}
Gross Income (Monthly)
This is the gross monthly income before taxes are taken out. Only use income that will likely continue.
$

Monthly Debts

Auto loans (Monthly)
$
Student loans (Monthly)
$
Credit cards (Monthly)
$
Alimony & Child Support (Monthly)
$
Rental Property Loans (Monthly)
$
Other payments (Monthly)
$
Home Price
$
Down Payment
{{ downPaymentMode === 'percent' ? '%' : '$' }}
Loan Term
Loan Amount
$
Interest Rate ⓘ
%
Credit Score
Property State
Property Tax (Yearly)
{{ propertyTaxMode === 'percent' ? '%' : '$' }}
Homeowners Insurance (Yearly)
$
HOA Dues (Monthly)
$
Upfront MIP (Financed)
%
Annual MIP Rate (Yearly, estimate)
%
Set from the FHA table for your loan size, down payment and term. Edit it if you have a quote.
Your debt to income ratio is inside the common guideline for this program. Your debt to income ratio is above the common guideline for this program.
Your Debt to Income Ratio
{{ dtiSummary }}
front end / back end
Common Back End Guideline
{{ guide.back }}%
many lenders allow more with a strong file
{{ dtiMessage }}
Monthly Mortgage Payment
{{ formatCurrency(totalMonthlyPayment) }}

See below for an estimate including Principal, Interest, Taxes, and Insurance

{{ rateNote }}

Payment Breakdown

{{ item.label }}
{{ formatCurrency(item.value) }}

Loan Details

Home Value{{ formatCurrency(homePrice) }}
Base Loan Amount{{ formatCurrency(loanAmount) }}
Monthly FHA Payment{{ formatCurrency(monthlyPI) }}
Down Payment{{ formatCurrency(downPaymentAmount) }}
FHA Loan Amount{{ formatCurrency(financedLoan) }}
Upfront MIP{{ formatCurrency(ufmipAmount) }}
Home Price
Down Payment
Loan Term
Loan Amount
Interest Rate
These rates are pulling directly from Freddie Mac's National average rates as a guide. You can request your custom breakdown by submitting the form inside calc.
Property State
Property Tax
(Yearly)
Homeowners Insurance
(Yearly)
HOA Dues
(Monthly)
Upfront MIP
Annual MIP
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Monthly Mortgage Payment
$2,912.01

See below for an estimate including Principal, Interest, Taxes, and Insurance

Payment Breakdown

$3,876.82
per month
Principal & Interest$2,912.01
Taxes$383.33
Insurance$375.00
HOA Dues$0.00
PMI$206.48
Email me this
Contact Us
Share
Disclaimer

Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. This calculator is made available to you as an educational tool only and calculations are based on borrower-input information. This is not an advertisement for the above terms, interest rates, or payment amounts.We do not guarantee the accuracy of any information or inputs by users of the software. This calculator does not have the ability to pre-qualify you for any loan program which should be verified independently with one of our Loan Consultants. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are user input should not be perceived as a quote. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. We do not guarantee any of the information obtained by this calculator. To get an accurate rate and fee quote and to be prequalified or preapproved please use the contact form to request further assistance.

Gross Income (Monthly)
This is the gross monthly income before taxes are taken out. Only use income that will likely continue.
$

Monthly Debts

Auto loans (Monthly)
$
Student loans (Monthly)
$
Credit cards (Monthly)
$
Alimony & Child Support (Monthly)
$
Rental Property Loans (Monthly)
$
Other payments (Monthly)
$
Home Price
$
Down Payment
{{ downPaymentMode === 'percent' ? '%' : '$' }}
Loan Term
Base Mortgage Amount
$
Payment Frequency
Interest Rate ⓘ
%
This is my...
VA Funding Fee (%, set by use and down payment)
%
{{ formatCurrency(fundingFeeAmount) }} financed into the loan. Exempt borrowers pay nothing.
Property State
Property Tax (Yearly)
{{ propertyTaxMode === 'percent' ? '%' : '$' }}
Homeowners Insurance (Yearly)
{{ insuranceMode === 'percent' ? '%' : '$' }}
HOA Dues (Monthly)
$
Final Mortgage Amount
$
First Payment Date
Your debt to income ratio is inside the common guideline for this program. Your debt to income ratio is above the common guideline for this program.
Your Debt to Income Ratio
{{ dtiSummary }}
front end / back end
Common Back End Guideline
{{ guide.back }}%
many lenders allow more with a strong file
{{ dtiMessage }}
Monthly Mortgage Payment
{{ formatCurrency(totalMonthlyPayment) }}

See below for an estimate including Principal, Interest, Taxes, and Insurance

{{ rateNote }}

Payment Breakdown

{{ item.label }}
{{ formatCurrency(item.value) }}

Loan Details

Home Value{{ formatCurrency(homePrice) }}
Base Loan Amount{{ formatCurrency(loanAmount) }}
Monthly VA Payment{{ formatCurrency(monthlyPI) }}
Down Payment{{ formatCurrency(downPaymentAmount) }}
VA Loan Amount{{ formatCurrency(financedLoan) }}
VA Funding Fee{{ formatCurrency(fundingFeeAmount) }}
Home Value
Base Mortgage Amount
Down Payment
Loan Term
Interest Rate
These rates are pulling directly from Freddie Mac's National average rates as a guide. You can request your custom breakdown by submitting the form inside calc.
Payment Frequency
This is my...
VA Funding Fee
Property State
Property Tax
(Yearly)
Homeowners Insurance
(Yearly)
HOA Dues
(Monthly)
Final Mortgage Amount
First Payment Date
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Monthly Mortgage Payment
$2,912.01

See below for an estimate including Principal, Interest, Taxes, and Insurance

Payment Breakdown

$3,876.82
per month
Principal & Interest$2,912.01
Taxes$383.33
Insurance$375.00
HOA Dues$0.00
PMI$206.48
Email me this
Contact Us
Share
Disclaimer

Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. This calculator is made available to you as an educational tool only and calculations are based on borrower-input information. This is not an advertisement for the above terms, interest rates, or payment amounts.We do not guarantee the accuracy of any information or inputs by users of the software. This calculator does not have the ability to pre-qualify you for any loan program which should be verified independently with one of our Loan Consultants. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are user input should not be perceived as a quote. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. We do not guarantee any of the information obtained by this calculator. To get an accurate rate and fee quote and to be prequalified or preapproved please use the contact form to request further assistance.

Gross Income (Monthly)
This is the gross monthly income before taxes are taken out. Only use income that will likely continue.
$

Monthly Debts

Auto loans (Monthly)
$
Student loans (Monthly)
$
Credit cards (Monthly)
$
Alimony & Child Support (Monthly)
$
Rental Property Loans (Monthly)
$
Other payments (Monthly)
$
Home Price
$
Down Payment
{{ downPaymentMode === 'percent' ? '%' : '$' }}
Loan Term
Base Mortgage Amount
$
Interest Rate ⓘ
%
Property State
Property Tax (Yearly)
{{ propertyTaxMode === 'percent' ? '%' : '$' }}
Homeowners Insurance (Yearly)
{{ insuranceMode === 'percent' ? '%' : '$' }}
HOA Dues (Monthly)
$
Your debt to income ratio is inside the common guideline for this program. Your debt to income ratio is above the common guideline for this program.
Your Debt to Income Ratio
{{ dtiSummary }}
front end / back end
Common Back End Guideline
{{ guide.back }}%
many lenders allow more with a strong file
{{ dtiMessage }}
Monthly Mortgage Payment
{{ formatCurrency(totalMonthlyPayment) }}

See below for an estimate including Principal, Interest, Taxes, and Insurance

{{ rateNote }}

Payment Breakdown

{{ item.label }}
{{ formatCurrency(item.value) }}

Loan Details

Home Value{{ formatCurrency(homePrice) }}
Base Loan Amount{{ formatCurrency(loanAmount) }}
Monthly USDA Payment{{ formatCurrency(monthlyPI) }}
Down Payment{{ formatCurrency(downPaymentAmount) }}
USDA Loan Amount{{ formatCurrency(financedLoan) }}
USDA Guarantee Fee{{ formatCurrency(guaranteeFeeAmount) }}
Home Value
Down Payment
Loan Term
Base Mortgage Amount
Interest Rate
These rates are pulling directly from Freddie Mac's National average rates as a guide. You can request your custom breakdown by submitting the form inside calc.
Property State
Property Tax
(Yearly)
Homeowners Insurance
(Yearly)
HOA Dues
(Monthly)
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Monthly Mortgage Payment
$2,912.01

See below for an estimate including Principal, Interest, Taxes, and Insurance

Payment Breakdown

$3,876.82
per month
Principal & Interest$2,912.01
Taxes$383.33
Insurance$375.00
HOA Dues$0.00
PMI$206.48
Email me this
Contact Us
Share
Disclaimer

Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. This calculator is made available to you as an educational tool only and calculations are based on borrower-input information. This is not an advertisement for the above terms, interest rates, or payment amounts.We do not guarantee the accuracy of any information or inputs by users of the software. This calculator does not have the ability to pre-qualify you for any loan program which should be verified independently with one of our Loan Consultants. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are user input should not be perceived as a quote. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. We do not guarantee any of the information obtained by this calculator. To get an accurate rate and fee quote and to be prequalified or preapproved please use the contact form to request further assistance.

Gross Income (Monthly)
This is the gross monthly income before taxes are taken out. Only use income that will likely continue.
$

Monthly Debts

Auto loans (Monthly)
$
Student loans (Monthly)
$
Credit cards (Monthly)
$
Alimony & Child Support (Monthly)
$
Rental Property Loans (Monthly)
$
Other payments (Monthly)
$
Home Price
$
Down Payment
{{ downPaymentMode === 'percent' ? '%' : '$' }}
Loan Term
Base Mortgage Amount
$
Interest Rate ⓘ
%
Property State
Property Tax (Yearly)
{{ propertyTaxMode === 'percent' ? '%' : '$' }}
Homeowners Insurance (Yearly)
{{ insuranceMode === 'percent' ? '%' : '$' }}
HOA Dues (Monthly)
$
PMI (Yearly, estimate)
$
Estimated from your down payment and credit score. Type your own amount if you have a quote. Clear the box to get the estimate back.
Your debt to income ratio is inside the common guideline for this program. Your debt to income ratio is above the common guideline for this program.
Your Debt to Income Ratio
{{ dtiSummary }}
front end / back end
Common Back End Guideline
{{ guide.back }}%
many lenders allow more with a strong file
{{ dtiMessage }}
Monthly Mortgage Payment
{{ formatCurrency(totalMonthlyPayment) }}

See below for an estimate including Principal, Interest, Taxes, and Insurance

{{ rateNote }}

Payment Breakdown

{{ item.label }}
{{ formatCurrency(item.value) }}

Loan Details

Home Value{{ formatCurrency(homePrice) }}
Mortgage Amount{{ formatCurrency(loanAmount) }}
Monthly Jumbo Payment{{ formatCurrency(monthlyPI) }}
Down Payment{{ formatCurrency(downPaymentAmount) }}
Monthly Estimated PMI{{ formatCurrency(monthlyMI) }}
Home Value
Down Payment
Loan Term
Base Mortgage Amount
Interest Rate
These rates are pulling directly from Freddie Mac's National average rates as a guide. You can request your custom breakdown by submitting the form inside calc.
Property State
Property Tax
(Yearly)
HOA Dues
(Monthly)
PMI
(Yearly)
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Monthly Mortgage Payment
$2,912.01

See below for an estimate including Principal, Interest, Taxes, and Insurance

Payment Breakdown

$3,876.82
per month
Principal & Interest$2,912.01
Taxes$383.33
Insurance$375.00
HOA Dues$0.00
PMI$206.48
Email me this
Contact Us
Share
Disclaimer

Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. This calculator is made available to you as an educational tool only and calculations are based on borrower-input information. This is not an advertisement for the above terms, interest rates, or payment amounts.We do not guarantee the accuracy of any information or inputs by users of the software. This calculator does not have the ability to pre-qualify you for any loan program which should be verified independently with one of our Loan Consultants. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are user input should not be perceived as a quote. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. We do not guarantee any of the information obtained by this calculator. To get an accurate rate and fee quote and to be prequalified or preapproved please use the contact form to request further assistance.

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3401 Norman Berry Dr Ste 257-A Atlanta,
GA 30344

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