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Calculate how much home you can afford using the 28/36 rule based on income, debts, and down payment.
This home affordability calculator estimates how much home you may be able to afford using income, existing debts, down payment, rate assumptions, and the 28/36 guideline.
It is helpful for rough house-hunting budgets before you go through a lender pre-approval or underwriting process.
A practical breakdown of the numbers that shape home affordability, including income, debts, down payment, rates, taxes, insurance, and PMI.
Choose the right home-buying calculator for affordability, down payment, closing costs, property taxes, or stamp duty before you rely on one headline number.
Understand the difference between closing costs and a down payment so you can estimate total cash needed to buy a home more realistically.
Estimate monthly mortgage payments including principal, interest, and taxes.
Calculate down payment amount, loan amount, monthly payment, and total interest with PMI assessment.
Estimate total closing costs with itemized breakdown of fees for conventional, FHA, and VA loans.
Calculate stamp duty and registration charges for India (all states), UK (SDLT), and Australia with band breakdowns.
Estimate total closing costs with itemized breakdown of fees for conventional, FHA, and VA loans.
Estimate annual property tax by US state or India state using average tax rates with state comparison.
Calculate gross yield, net yield, cap rate, and monthly cash flow for rental property investments.
Calculate down payment amount, loan amount, monthly payment, and total interest with PMI assessment.
Estimate renovation costs by room type, renovation level, square footage, and location with ROI estimate.
Find out how much home you can afford using the 28/36 debt-to-income rule with full PITI breakdown.
Car loans, student loans, credit cards, etc.