Calculators
Honest estimates for what a home really costs — for buyers and sellers. Default rates as of May 27, 2026; override with your actual quote anytime.
📊 Debt-to-income (DTI) calculator
DTI is one of the biggest factors lenders use to decide if you qualify and what rate you get. Lower DTI generally means more loan options and better pricing.
Principal, interest, taxes, insurance, and HOA if applicable. Use the mortgage estimator below if you're not sure.
Housing payment ÷ gross income. Most lenders prefer this at or below 28%.
All monthly debt (including housing) ÷ gross income. Conventional loans typically cap near 43-50%; FHA can go higher with strong compensating factors.
✅ At a 43% back-end DTI ceiling (a common conventional benchmark), your numbers fit. Lenders will still verify everything during underwriting, but this is a healthy starting point.
Higher DTI doesn't always mean denial — it can mean a higher interest rate, mortgage insurance requirements, or needing a stronger credit score / larger down payment to offset risk. Different loan programs (FHA, VA, conventional) have different ceilings. This is an estimate, not a lending decision.
🎯 Pre-approval estimator
How much home you could likely qualify for. Fill in what you know — leave the rest at 0.
Our estimate for your profile: 6.85% (based on rates May 27, 2026). If your lender quoted you something different, enter it below.
Tighter lenders / safer buy
Typical lender ceilings
FHA / max-stretch territory
Based on standard debt-to-income ratios at a 6.85% rate, 30-year fixed. Actual pre-approval depends on full lender underwriting.
🏡 Mortgage estimator
Using rate: 6.70%
= $90,000 down
Our estimate for your profile: 6.70% (based on rates May 27, 2026). If your lender quoted you something different, enter it below.
Estimated total monthly payment
$2,661
principal, interest, taxes, insurance
| Principal & interest | $2,323 |
| Property tax (est. 0.5%/yr) | $188 |
| Homeowners insurance (est.) | $150 |
| Loan amount | $360,000 |
📈 Affordability shift explainer
See how much your buying power moves if rates shift — without changing your monthly budget or down payment.
Just principal and interest — not taxes, insurance, or HOA. Use the mortgage estimator above to convert a full monthly budget into this number.
At your current rate (6.70%)
$400,938
max home price · $340,938 loan + $60,000 down
| RATE | MAX PRICE | CHANGE |
|---|---|---|
| 5.70% | $439,049 | +$38,110 |
| 6.20% | $419,202 | +$18,264 |
| 6.45% | $409,882 | +$8,944 |
| 6.70%(current) | $400,938 | — |
| 6.95% | $392,352 | -$8,586 |
| 7.20% | $384,107 | -$16,831 |
| 7.70% | $368,573 | -$32,366 |
Each row holds your monthly P&I budget and down payment fixed, and only changes the rate. In practice, rates this far from today's (May 27, 2026) may not be realistic — this is meant to show direction and scale, not a forecast.
Closing costs
🧾 Buyer closing costs
Estimated for Arizona
| Down payment | $90,000 |
| Loan origination (~1%) | $3,600 |
| Lender's title insurance | $1,125 |
| Escrow (your half) | $450 |
| Prepaids | $1,800 |
| Appraisal | $600 |
| Inspection | $450 |
| Credit report | $50 |
| Recording (Maricopa) | $150 |
🔑 Seller closing costs
Estimated for Arizona
| Sale price | $450,000 |
| Listing agent (2.9%) | – $13,050 |
| Buyer agent (2.92%) | – $13,140 |
| Owner's title insurance | – $1,620 |
| Escrow (your half) | – $450 |
| Recording / release | – $150 |
Own the home free and clear? Leave mortgage payoff at $0 — your cash to seller is your full net proceeds.
These calculators provide estimates only and are not a loan offer, quote, or financial advice. Pre-approval estimates are based on standard debt-to-income ratios; actual lender decisions depend on full underwriting, employment verification, and many other factors. Since the 2024 NAR settlement, buyer and seller agent commissions are negotiated separately and are fully negotiable.