Home Details
Start with the basics
$
$
%
0% (VA/USDA)20%+ (No PMI)
Monthly PMI We've estimated this. Enter your actual PMI if you know it.
Estimated
$/mo
Your Finances
Income & credit profile (used to estimate your rate)
About Take-Home Pay: Enter your household's combined take-home pay - the amount deposited into bank accounts.
$
= $5,000/month take-home
We use take-home pay instead of gross income because it reflects what your household actually has available to spend each month after taxes, health insurance, 401(k) contributions, and other payroll deductions.
Loan Details
Interest rate estimated from your credit score
%
Rate estimated for "Very Good" credit. Adjust above if you have a lender quote.
Rates as of Jan 2026. Check current rates
Property Costs
Taxes & insurance
%
$/yr
Monthly Debts & Obligations
Recurring payments you're committed to
$
$
$
$
Total monthly obligations: $0
Additional CostsHOA & hazard insurance add to payment; utilities & maintenance to living costs
HOA & Hazard Insurance are added to your monthly payment. Utilities & Maintenance affect what's left for living.
HOA Fees
Monthly homeowners association dues
$/mo
Utilities
Electric, gas, water, internet, etc.
$/mo
Maintenance Reserve
Recommended: 1% of home value annually
$/mo
Additional Hazard Insurance
Flood, earthquake, hurricane, wildfire - depends on location
$/yr
Estimated Monthly Payment
$2,847
per month total
Principal & Interest$2,100
Property Tax$367
Home Insurance$150
Housing-to-Income RatioComfortable
0%35%50%65%+
28% of your income goes to housing. Under 35% of take-home is generally comfortable.
What's Left for Living
After housing, debt, utilities, and maintenance
Adjust your ZIP code and household size below for a personalized estimate. Defaults to national average for 2 people.
Monthly take-home$5,000
- Housing costs-$2,847
- Debts & obligations-$0
- Est. utilities & maintenance-$633
= What's left for living$3,820
Estimated Monthly Living Costs
Groceries$500-700
Transportation$300-500
Other essentials$300-500
Est. living costs (mid-range)~$1,700/mo
After housing and living costs (2 people)$2,120
You'd have enough remaining for savings & fun.
$320,000
Loan Amount
$88,000
Cash Needed to Close*
*Includes down payment + ~2% estimated closing costs
Where Your Money Goes
$5,000
monthly
Housing
$2,166 (43%)
Est. Living Costs
$1,700 (34%)
Savings & Fun
$1,134 (23%)
Looking good! You'd have 23% of your income left for savings, emergencies, and enjoying life.
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