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Estimate your monthly principal + interest payment. Add taxes and insurance to see your full PITI payment.
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Estimated Monthly Payment
$3,244.39
Principal & Interest
$2,594.39
Property Tax
$500.00
Home Insurance
$150.00
PMI
—
Loan Amount
$400,000
Total Interest (30 yrs)
$533,981
How much home can you afford? Enter your income and debts to see your estimated purchase power.
Include car loans, student loans, credit card minimums, etc.
Maximum Home Price
$299,534
Comfortable budget: $260,989
Max Loan Amount
$259,534
Est. Monthly Payment
$2,333.33
Down Payment
$40,000
Debt-to-Income Ratio
32.8%
Based on 28% front-end / 36% back-end DTI guidelines used by most conventional lenders.
Estimate how much you will walk away with after agent commissions, taxes, and closing costs.
Typically 2.5–3% per side (buyer's + seller's agent combined).
Any agreed repairs, closing cost credits, or concessions to the buyer.
Estimated Net Proceeds
$217,500
43.5% of sale price stays in your pocket
Total Selling Costs
$32,500 (6.5% of sale price)
Excludes capital gains tax. Consult a tax professional for your specific situation.
Disclaimer: These calculators provide estimates for informational purposes only and do not constitute financial, tax, or legal advice. Actual mortgage payments, affordability, and closing costs will vary based on your lender, credit score, local taxes, and specific transaction terms. Consult a licensed real estate agent, mortgage professional, or attorney before making any financial decisions.
A local agent can refine these estimates with real comps, local tax rates, and market-specific data.
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