Payment & affordability calculator

Assuming a seller’s low 2–3% VA or FHA loan can cut hundreds off your monthly payment. Enter a home’s assumable rate to see the real payment — then find out how much home that rate lets you afford.

Buyer tools

Estimate your monthly payment

Enter a home’s assumable rate (often 2–3%) to see the real low-rate payment.

Home price

Down payment — 10% ($65,000)

Interest rate — 6.75%

Loan term

Property tax rate (%/yr)

Homeowners insurance ($/yr)

HOA dues ($/mo)

Principal & interest · $585,000 loan$3,794

Property tax$596

Homeowners insurance$192

PMI · under 20% down$293

Estimated total / month$4,874

Estimate only — not a loan offer. Assuming a seller’s VA or FHA loan keeps their low rate; qualifying and the equity gap depend on the loan balance. Confirm current terms with the lender/servicer and a licensed loan officer.

Buyer tools

How much home can you afford?

A low, assumable rate stretches your budget — see the max price that fits.

Annual household income

Monthly debts (cars, cards, loans)

Cash for down payment

Interest rate %

HOA ($/mo)

Comfort level

You could afford a home up to

$650,000

~$4,767/mo · $570,000 loan · 12% down · incl. PMI

Estimate only, based on a 43% debt-to-income target and typical tax/insurance. Not a pre-approval. Assuming a seller’s low-rate loan can raise what you qualify for — confirm with a licensed lender.

Browse low-rate homes →

Payment & affordability calculator

Estimate your monthly payment

How much home can you afford?

Get new low-rate homes in your area the day they hit the market.