Buyer Resources

Home Buying Tools

Affordability Calculator

The affordability calculator is calculated based on the percentage of your income spent on monthly debt. Most lenders limit how much of your monthly income can pay debt such as mortgage payments, car loans, and student debt (this is called Debt to Income ratio). The conventional limit is 36% of your monthly income, but this could be higher for FHA loans. Your remaining income after debt and taxes should be enough to cover living expenses and savings goals. It is also wise to have cash set aside to pay for any large unexpected repairs or financial emergencies.

 

Closing Cost Estimator

If you choose to finance your closing costs, the monthly loan payments will be higher than if you had paid the closing costs out-of-pocket. In order to help borrowers compare loans, lenders use a standard calculation called annual percentage rates (APR) which takes into account the closing costs. Use this closing cost calculator to itemize the closing costs and to compare loans with different rates, fees or terms.

Mortgage Calculator

A house is the largest purchase most of us will ever make so it’s important to calculate what your payment will be and how much you can afford. The mortgage calculator will show you how much your monthly payment will be. It can also show the effect of adding extra payments. They are provided to help give you a better sense of your total monthly payments (instead of just the principal and interest payments). The mortgage calculator provides a mortgage amortization schedule that breaks down payments into interest and principal.

Mortgage Calculator

Please consult with a trusted lender for interest rate.


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