Home Affordability Calculator

A ten-sheet affordability workbook, not a single calculator. Start with the quick version, then move to the full sheet where you enter real dollar amounts for annual taxes, annual insurance, HOA, and payments on any other property you own — no assumed 1.2% and no national-average insurance number.

Already have a house in mind? Switch to price-entry mode, type the asking price, and see the full monthly payment broken out with a live DTI readout and a clear qualify / doesn’t-qualify verdict.

Then compare scenarios side by side, stress-test the rate, model different down payments, total your cash to close, and build a savings plan to get there.