Affordability
What payment fits?
$0
Estimated purchase price supported by the selected target DTI and current assumptions. This is not an approval.
Complete mortgage planning
The number is never
just the payment.
Model the payment, cash required, debt ratios, and program structure before making a property decision. Change any assumption and see the complete picture immediately.
Build your scenario ↓Reserves
What remains?
0 months
Estimated months of housing reserves after closing based on entered liquid assets.
Payment target
Are we close?
$0
Difference from the monthly payment you selected.
Side-by-side structure
Same home.
Different financing.
Compare working assumptions across common programs. Eligibility and actual mortgage-insurance or funding-fee calculations require a complete review.
The calculator has limits. The conversation should not.
Now replace assumptions
with a strategy.
Alan can review the property, borrower profile, program eligibility, credits, reserves, and timing as one decision.
This calculator provides estimates for educational and planning purposes only and is not a Loan Estimate, Closing Disclosure, commitment to lend, preapproval, interest-rate lock, or guarantee of loan approval. Actual rates, APR, mortgage insurance, taxes, homeowners insurance, closing costs, prepaid items, escrow requirements, program eligibility, seller contributions, lender credits, and cash to close may vary. Final terms depend on borrower qualification, property eligibility, lender underwriting, and applicable loan-program guidelines.