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Mortgage calculator

Home Affordability Calculator

Lenders qualify you on ratios, not on how a payment feels. This tool solves for the purchase price your income and debts support at a given debt-to-income ceiling.

Your numbers

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Nothing you enter leaves your browser. We do not store or transmit these figures.

Frequently asked questions

Are these calculators free to use?

Yes. Every calculator on 1PropertyHub is free, requires no account, and runs entirely in your browser. We do not collect, store, or transmit the figures you enter.

How accurate are the results?

The arithmetic is exact, but the output is only as good as your inputs. Rates, taxes, insurance, and fees vary by lender, county, and property. Treat results as a planning estimate and confirm specifics with a licensed professional.

Can I save or print my results?

Use the print button to produce a clean copy of your inputs and results. Nothing is stored on our servers.

How to use this calculator well

Every model is a set of assumptions wearing a number. The value of a calculator is not the figure it produces but the sensitivity it reveals — change one input at a time and watch which variable actually moves your outcome. That tells you where to spend your diligence.

Defaults here are illustrative starting points, not market data. Replace every one of them with figures specific to your property, your county, and your quotes. When a result depends heavily on an assumption you cannot verify, that is a signal about the deal, not about the calculator.