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Home Affordability Calculator

Explore a home price that fits your monthly housing budget.

Your target payment includes principal, interest, property taxes, home insurance, HOA, and estimated conventional PMI.

Advanced assumptions

Default assumptions: 1.10% annual property tax, $2,400 annual home insurance, $0 HOA, and 0.60% annual PMI below 20% down. Edit these under Advanced assumptions; they are examples, not local quotes.

Enter the down payment separately from closing costs and reserves. This is a payment-budget scenario, not a qualification or loan approval. It does not evaluate income, debts, credit, or program eligibility.

Annual principal and interest schedule

Principal and interest only. Taxes, insurance, HOA, PMI, and additional payments are excluded from this schedule. It assumes the rate stays fixed for the full term.

YearPrincipal paidInterest paidRemaining balance

Illustration only. Not a Loan Estimate, approval, rate quote, or commitment to lend. Actual costs and eligibility vary. Closing costs, prepaid expenses, maintenance, utilities, and any separate flood or wind coverage are not included. Automatic PMI is a conventional-loan estimate, not a live insurer quote; actual premiums may differ and can change. FHA, VA, and USDA fees and insurance are not modeled.

PMI source: Freddie Mac · General range: $30–$70 per month per $100,000 borrowed (0.36%–0.84% annually). Midpoint selected for this calculator. Reviewed September 18, 2026.

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