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Home Affordability Calculator
Affordability is decided by monthly payment, not price. This works backwards from your income and existing obligations to the price range that is genuinely comfortable.
Your numbers
Your result
$507,483
- Estimated price range
- $466,884 – $507,483
- Loan amount
- $417,483
- Down payment
- $90,000 (18%)
- Principal and interest
- $2,639/mo
- Estimated property taxes
- $761/mo
- Estimated insurance
- $150/mo
- Total monthly payment
- $3,550/mo
This uses a 36% total debt-to-income ceiling. Lenders will sometimes approve more; approval is not the same as comfortable. In Central Texas, property taxes move this number more than the interest rate does.
An estimate using standard debt-to-income guidance. Only a lender can issue a real pre-approval, and taxes and insurance vary considerably by county.
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