Homebuying Budget Calculator

Homebuying Budget Calculator helps buyers understand real affordability beyond simple mortgage math. It estimates a safe home price, all-in monthly payment, cash required to buy, and financial risk based on income, debts, lifestyle costs, and future planning.

🏠
Home Affordability Pro
Financial Profile
Max DTI (Debt-to-Income) Buffer 36%
Conservative (28%) Aggressive (50%)
BUYING POWER STATUS
ANALYZING…
Based on Income & Debts
MAX SAFE HOME PRICE
$0
Recommended Limit
MONTHLY ALL-IN PAYMENT
$0
Mortgage + Tax + Ins + HOA
💰 Cash Reality
Cash To Close
$0
Down + Closing
Move-In Ready
$0
Inc. Hidden Costs + 3mo Buffer
Hidden 1st Yr Costs
$0
Repairs/Furniture (Est 1.5%)
Emergency Fund Left
$0
Post-Purchase Cash
🧠 Psychology & Decision
Stress Test (+1% Rate)
$0
Worst-Case Payment
Target Housing Budget
$0
28% Gross (Before Taxes/HOA)
Sleep-Well Budget
$0
Left after bills. (Assumes 25% tax, 50% side-hustle discount)
Job Loss Survival
0 Mo
Savings coverage
🏦 Loan Strategy
PMI Exit Date
—
Typical exit (~7 yrs on 30-yr loans, min payments)
Refinance Worth It?
—
Estimated — varies by loan balance & term
Higher Monthly (15yr vs 30yr)
$0
Monthly increase for 15yr term
📆 Timeline Intelligence
Waiting Risk (5% growth)
$0
Price Risk (Assumes 5% growth)
Missed Opportunity
$0
Rent paid while waiting
Confidence Meter
—
Timeline Feasibility
🧑‍🤝‍🧑 Human Risk Factors
House Poor Warning
—
% of Net Income (Inc. Life costs)
Maint. Risk Index
Low
Based on Age
Dual Income Power
—
Partner Contribution
Landlord Mode
—
Rent vs PITI (Inc. vacancies)
Payment Breakdown
ComponentMonthly Cost
Principal & Interest$0
Property Tax$0
Home Insurance$0
HOA Fees$0
PMI (Est.)$0
TOTAL PITI$0

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