Chart standing · US
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Find out exactly how much house you can afford in seconds. Planning to buy a home? Stop guessing and start calculating. Home Affordability Calculator uses proven financial formulas and real-time mortgage rates to show you the maximum home price that fits your budget. INSTANT AFFORDABILITY ANALYSIS Enter your income, debts, and savings to instantly see your maximum home price. Our smart calculator considers your debt-to-income ratio, down payment, and current interest rates. LIVE MORTGAGE RATES Get today's average 30-year conventional mortgage rate automatically—no manual research needed. Want to use a custom rate? Toggle it off and enter your own. COMPLETE PAYMENT BREAKDOWN See exactly where your money goes: Principal & Interest Property Tax (estimated) Home Insurance (estimated) Total Monthly Payment Your Housing-to-Income Ratio FLEXIBLE OPTIONS Use standard 20% down payment or customize it Choose 30-year mortgage or set your own term (15, 20, 25 years) Automatically identifies if you're limited by savings or income PERFECT FOR: First-time homebuyers Anyone planning to refinance Real estate investors Financial planning Download now and take the guesswork out of home buying! This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
What's new · 1.1
Version 1.1 is a big upgrade: • Your answer stays on screen — the max price is now pinned to the top as you type, with a Done button on the keyboard. • New "By payment" mode: start from a monthly payment and see the home price it buys (plus the income you'd need to qualify). • Now factors in PMI (under 20% down), HOA dues, and closing costs — and you can edit the property tax and insurance rates. • Full monthly breakdown with total cash to close and lifetime interest. • Down payment presets (3.5% FHA, 5%, 10%, 20%) and 15 / 20 / 30-year terms. • Dark mode and a cleaner, faster design.
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