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What could I comfortably afford?
Choose a monthly budget, not a lender guideline. Principal and interest are only part of the payment — property costs and mortgage insurance come out of your budget first, and what's left sets the price.
Affordability calculator
Money for the down payment only. Keep closing costs and savings separate.
See how much savings you'd have left →Adjust property costs & loan assumptions
Market-rate assumptionFreddie Mac 30-yr fixed average · week of Sep 24, 2026
Sets the mortgage-insurance estimate. Self-reported; nothing is checked.
About $3,830 a year at the solved price.
About $1,340 a year at the solved price.
Property-specific. Not every home has dues — this stays at $0 unless you know one that does.
Check this payment against your monthly take-home pay
An optional household cash-flow check. This does not calculate lender debt-to-income ratios or loan eligibility.
$700 per month remains after your chosen housing budget, other debts, living costs and planned savings.
Estimated at 0.28% a year — 90% loan-to-value, illustrative only.
Of your $2,800 monthly budget, $511 goes to estimated taxes, insurance, HOA and mortgage insurance. The rest is available for principal and interest.
This is the price your budget supports — a lender separately tests what it will lend, based on income, credit and debts, and the two numbers often differ.
See also
What this estimate doesn't include
This is a budget-based illustration, not a loan limit or pre-approval. Income, credit, debt-to-income ratios, property requirements and program limits aren't evaluated. Closing costs, moving and cash reserves are funded separately — see the Down Payment Explorer for those. Mortgage-insurance figures are illustrative, not quotes.
How this price is estimated
The tool finds the highest price, rounded down to $100, whose estimated housing payment fits your preferred budget at the entered down payment — principal and interest, property tax, home insurance, HOA and illustrative mortgage insurance. Mortgage insurance is banded by loan-to-value (80/85/90/95/97%), not just the 20%-down threshold; the tool solves within each band separately and takes the highest valid price, since a lower effective rate in a better band can support a higher price than a naive single-threshold solve would find.
Educational estimate. Not an offer, rate, or approval. Assumes a fixed-rate loan for a primary residence; your actual terms depend on credit, property, and program. Kinship Mortgage is a licensed broker. See calculator methodology.