Home Affordability Calculator
Discover your home buying budget from the full housing payment: principal, interest, taxes, insurance, mortgage insurance, and HOA
Housing costs in the payment (PITIA)
The DTI allowance has to cover the whole housing stack, not just principal and interest. These defaults are national planning figures — replace them with your county tax rate, an insurance quote, and your mortgage insurance quote. Set any of them to 0 to leave that cost out.
Of the home price. Default 0.90% is the 2025 U.S. average effective rate.
Of the home price. Default 0.50% is a national planning figure, not a quote.
Of the loan amount. Default 0.55% is FHA annual MIP for most 30-year loans with 3.5% down.
Default $0. Enter monthly dues when the home has an HOA.
"Through wisdom is an house builded; and by understanding it is established"
— Proverbs 24:3 KJV