Deal analyzer
These are the same calculations I walk through with clients: what you can comfortably afford, how equity actually builds, whether buying beats renting for you, and what a rental property really returns. Change anything and the results update instantly.
Lenders look at two ratios: how much of your monthly income goes to the house, and how much goes to the house plus every other debt payment. This works backward from those ratios to a price range.
Comfortable price range
$0 to $0
The lower number keeps housing at 28% of your income, the guideline lenders call comfortable. The higher one stretches total debt to 43%, which is where many loan programs cap out.
Based on the comfortable number. Everything left over is food, savings, childcare, travel, and the rest of your life.
At the comfortable price. PMI is included automatically when the down payment is under 20%.
Want the full month-by-month payment schedule for a specific price? Open the mortgage calculator.
Equity grows two different ways, and they are not the same kind of number. Paying down the loan is fixed and knowable from day one. Appreciation is an assumption, so you set it here and can see exactly how much of the total depends on it.
Estimated equity today
$0
$0 of that came from paying down the loan, which is certain. $0 came from appreciation, which depends on the rates you set.
Each bar is your estimated equity at the end of that year, split by where it came from. Bars past today are projections built on your assumption.
| Year | Est. value | Balance | Loan paid down | Est. equity |
|---|
Buying is not automatically cheaper, and anyone who tells you your rent equals a mortgage payment is skipping taxes, insurance, maintenance, and closing costs. This counts all of it, then finds the year the math flips.
Buying pulls ahead in
—
Renting is money spent. Buying counts everything you pay in, minus what you would walk away with if you sold that year.
| Year | Spent renting | Net cost of buying | Home value | Difference |
|---|
Rent is not profit. Once vacancy, taxes, insurance, upkeep, management, and the mortgage come out, what is left is the number that matters. These are current-year figures for one specific property, not a forecast.
Cash flow after everything
$0 / month
Every dollar collected in a year, and what is left after each cost comes out.
| Line item | Per month | Per year |
|---|
These are estimates for planning, not offers or advice. Every tool on this page is a general education tool. Nothing here is a loan quote, a pre-approval, an appraisal, an offer to lend, or financial, tax, investment, or legal advice. Only a licensed lender can tell you what you actually qualify for, and only a full comparative market analysis can tell you what a specific home is worth.
Your real numbers will differ. Property taxes vary by town and change when a property is reassessed. Insurance depends on the home and your carrier. PMI rules and rates vary by lender and loan program. Any appreciation, rent growth, or vacancy rate on this page is an assumption you entered, not a prediction of what will happen, and past market behavior does not tell you what comes next. These tools assume a fixed rate for the life of the loan and do not account for income taxes, depreciation, or changes to your tax bill over time. I am a REALTOR®, not a lender, an appraiser, a tax professional, or an investment adviser. I am glad to walk through what these numbers mean for a specific property and to connect you with the right professional for the rest.
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