Payment
DTI Analyzer
Affordability
Rent vs Buy
Amortization
Loan purpose
Purchase
Refinance
Home price ($)
Down payment %
10%
Down payment ($)
Loan amount ($)
Interest rate %
Loan term
30-year fixed
20-year fixed
15-year fixed
10-year fixed
Loan type
Conventional
FHA
VA
USDA
Annual property tax ($)
Annual home insurance ($)
Monthly HOA ($)
TOTAL MONTHLY PAYMENT (PITI)
$0
Loan amount: $0
Monthly breakdown
Principal & Interest
$0
Property tax
$0
Homeowner's insurance
$0
PMI
$0
HOA
$0
Total
$0
Payment composition
P&I
Tax
Insurance
MI
Total cost over loan term
Total paid
$0
Total interest
$0
Interest as % of loan
0%
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Monthly Income
Gross monthly income ($)
Other monthly income ($)
Monthly Debt Payments
Proposed mortgage payment ($)
Car loans ($)
Student loans ($)
Credit card minimums ($)
Other debts ($)
BACK-END DTI RATIO
0%
0%
36%
43%
50%
60%+
—
DTI Summary
Total monthly income
$0
Total monthly debts
$0
Front-end DTI (housing only)
0%
Back-end DTI (all debts)
0%
Remaining income after debts
$0
DTI Guidelines
Conventional
≤ 45–50%
FHA
≤ 43–57%
VA
≤ 41% (guideline)
Ideal
≤ 36%
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Gross monthly income ($)
Monthly debts (excl. mortgage) ($)
Target DTI %
43%
Interest rate %
Loan term
30-year fixed
20-year fixed
15-year fixed
10-year fixed
Down payment %
10%
Annual property tax ($)
Annual home insurance ($)
MAX HOME PRICE
$0
Max loan: $0
Affordability Breakdown
Max monthly payment
$0
Available for P&I
$0
Down payment amount
$0
Max loan amount
$0
Estimated monthly PITI
$0
This estimate is based on your income and DTI target. Actual approval depends on credit score, assets, and lender guidelines.
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Buying Costs
Home price ($)
Down payment %
10%
Interest rate %
Annual property tax ($)
Annual home insurance ($)
Annual home appreciation %
3%
Renting Costs
Monthly rent ($)
Annual rent increase %
3%
Comparison period (years)
5 years
7 years
10 years
15 years
20 years
30 years
🏠 Buying
$0
Net cost after equity
Home value:
$0
Equity built:
$0
🏢 Renting
$0
Total rent paid
No equity built
Rent in yr
7
:
$0
/mo
Buying Cost Detail
Total mortgage payments
$0
Property tax + insurance
$0
Closing costs (est. 2.5%)
$0
Less: equity accumulated
$0
Net buying cost
$0
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Email My Rent vs. Buy Results
Loan amount ($)
Interest rate %
Loan term
30-year fixed
20-year fixed
15-year fixed
10-year fixed
Extra monthly payment ($)
MONTHLY PAYMENT
$0
Total paid
$0
Total interest
$0
Interest savings (extra pmt)
$0
Payoff time
—
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Email My Amortization Results
Yearly Amortization Schedule
Year
Principal
Interest
Balance