Affordability Calculator

Let’s Crunch Some Numbers
The Affordability Calculator is one of the first steps to figuring out what the right mortgage is for you.
It's easy to get ahead of ourselves when deciding to buy a home, but the most key piece of information to getting started is to see what's realistic to purchase and what isn't.
Basic Info   *Required
Yearly Gross Income 
Total yearly income before taxes and deductions.
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Down Payment 
The amount of money you would pay upfront towards your home purchase. There are loan programs that allow a minimum 3% down payment option. VA and USDA Loans offer a 0% down payment. Compare different loan benefits such as low equity/down payment with our Loan Options Chart.
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Zip Code 
Purchase property zip code.
Credit Score 
The middle FICO credit score out of all 3 credit bureaus (Experian, Equifax, TransUnion), not the average of the 3 credit scores. A FICO credit score is between 300 and 850. A higher FICO credit score could qualify you for a lower mortgage rate.
Term of Home Loan 
The number of years you would like to structure your home loan. It's important to remember that the shorter the term, the higher the mortgage payment.
Annual HOA Dues 
Annual Home Owners' Association (HOA) Dues are fees a condo owner pays to cover the cost of maintaining the condo buildings' common areas like landscaping, lobbies, elevators, etc.
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Annual Homeowner's Insurance 
Annual homeowner's insurance covers damage to or losses occurring on the homeowner's property and inside the home - also, known as hazard insurance. Coverage can include liability for accidents that happen on the property or in the homeowner's house by the homeowner, family members or pets.
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Marital Status 
The status you use when filing your taxes.
# of Dependents 
The total number of children you are responsible for.
I am a Veteran 
A person who is active in the military or has been honorably discharged. Qualified Veterans can receive 100% financing and do not have to pay Private Mortgage Insurance (PMI).
Monthly Primary Expenses
(Optional)
Car Payments 
Total monthly car or lease payment(s).
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Credit Card Payments 
Total monthly credit card payments.
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Student Loans 
Total monthly student loan payments.
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Alimony or Child Support 
Total monthly alimony and/or child support payments.
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Monthly Personal Bills
(Optional)
Transport Cost
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Auto Insurance
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Gas & Fuel
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Parking
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Public Transportation
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Service & Parts
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Bills & Utilities
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Internet
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Television
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Home Phone
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Mobile Phone
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Utilities
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Education
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Books & Supplies
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Tuition
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Entertainment
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Amusement
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Arts
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Movies & DVDs
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Music
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Newspapers & Magazines
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Fees & Charges
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Bank Fee
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Finance Charge
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ATM Fee
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Late Fee
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Service Fee
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Financial
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Financial Advisor
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Life Insurance
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Food & Dining
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Groceries
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Restaurants
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Alcohol & Bars
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Coffee Shops
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Lunch
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Take Out / Delivery
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Gifts & Donations
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Charity
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Gift
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Health & Fitness
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Pharmacy
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Dentist
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Doctor
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Eyecare
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Gym
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Health Insurance
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Sports
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Home
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Furnishings
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Home Improvement
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Home Services
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Home Supplies
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Lawn & Garden
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Child Care
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Allowance
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Baby Supplies
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Babysitter & Daycare
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Childrens Activities
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Toys
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Personal Care
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Hair
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Laundry
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Spa & Massage
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Toiletries & Cosmetics
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Pets
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Food & Supplies
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Grooming
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Veterinary
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Shopping
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Electronics & Software
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Books
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Clothing
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Hobbies
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Sporting Goods
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Travel
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Air Travel
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Hotel
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Rental Car & Taxi
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Vacation
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Uncategorized
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Cash & ATM
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Check
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