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Mortgage Affordability Calculator
Enter Your Financial Information
Annual Income
$
Monthly Debt Payments
$
Credit cards, car loans, student loans, etc.
Available Down Payment
$
Expected Interest Rate (%)
Loan Term (years)
15 years
20 years
30 years
Property Tax Rate (% of home value)
Homeowners Insurance Rate (% of home value)
Loan Program
Conventional
FHA
VA
USDA
Credit Score
About This Calculator
How It Works:
Uses standard 28/36 debt-to-income ratios
Calculates maximum affordable home price
Considers property taxes and insurance
Accounts for existing monthly debt
Provides conservative recommendations
Important Factors:
Credit score affects interest rates
Down payment size impacts loan terms
Property taxes vary by location
Insurance costs depend on coverage
Consider future income stability
Free
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