Buyer Tools
Mortgage &
Affordability Calculator
Enter your target home price, adjust the down payment and rate, and instantly see what you can afford.
Your Numbers
Home Price
$
Interest Rate Enter any rate 1–99%
%
Down Payment 20%
$0
—
100%
Loan Term
Optional — Estimates
Annual Property Tax
%
WA avg ≈ 1.0%
Monthly HOA
$
Enter 0 if none
Homeowners Insurance (annual)
$
Leave blank to auto-estimate (≈0.5% of price)
Your Results
Estimated Monthly Payment
—
Principal, interest, tax, insurance & HOA
Monthly Breakdown
Principal & Interest—
Property Tax (est.)—
Homeowner's Insurance (est.)—
HOA—
Total / Month—
⚠️ PMI applies when your down payment is under 20%. It typically cancels automatically once you reach 20% equity. Estimated at 0.8% of loan amount annually.
Estimated Closing Costs
View cost breakdown
—
Loan Origination (1%)—
Title & Escrow—
Appraisal$800
Home Inspection$550
Prepaid Interest (15 days)—
Homeowner's Insurance (1yr)—
Property Tax Reserve (2mo)—
Recording & Gov Fees$350
Est. Closing Costs
—
Total Cash Needed to Close
—
Down payment + estimated closing costs
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