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Estimate your monthly payment, total loan cost, and mortgage affordability — instantly and for free.
Adjust the sliders to estimate your monthly payment for any loan amount, term, and interest rate.
Calculate your estimated monthly mortgage payment including principal, interest, and taxes.
Find out how long it will take to pay off your debt, and how much you'll save by paying more than the minimum.
A general rule of thumb: your total monthly debt payments (including your new loan) should not exceed 36–43% of your gross monthly income.
Monthly payment should be ≤ 15–20% of your take-home pay for comfortable repayment.
Your mortgage payment should be ≤ 28% of your gross monthly income (the "front-end ratio").
Debt service coverage ratio (DSCR) of 1.25x or higher — meaning $1.25 income for every $1 of debt service.
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