Affordability → ownership
Build a home-buying plan
Carry the same income, cash, price, and rate assumptions through affordability, payment, closing-cost, and rent-versus-buy decisions.
Shared assumptions
Enter each number once
These values stay in your browser and are carried into each calculator’s URL.
Decision path
Four connected checks
- 01Set the price ceilingStart from income, existing debt, cash down, and the rate.Create plan
- 02Build the full paymentAdd tax, insurance, PMI, and HOA to principal and interest.Create plan
- 03Estimate cash to closeCheck lender fees, points, title costs, prepaids, and credits.Create plan
- 04Test the ownership horizonCompare renting and buying over the years you expect to stay.Create plan
Plan outcome: A checkable view of the monthly payment, cash needed, and ownership trade-off.