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Find out how much house you can actually afford.
AI calculates your real budget — mortgage, taxes, insurance, PMI, closing costs, and every hidden expense — so you never buy more house than you can handle.
20+
costs calculated
10
min to your number
5
loan types compared
The Problem
Buying a home you can't afford ruins everything.
Most buyers overestimate their budget by $50K–$100K
Banks will approve you for more than you can afford — because they profit from bigger loans.
Hidden costs add $500–$1,000/month that nobody warned you about
Property taxes, insurance, PMI, HOA, maintenance, utilities — your mortgage is just the beginning.
38% of homeowners say their house makes them 'house poor'
They can pay the mortgage but can't afford anything else — no vacations, no savings, no breathing room.
Online mortgage calculators only show principal and interest
They leave out taxes, insurance, PMI, HOA, closing costs, and maintenance — the costs that actually break budgets.
What You Get
Every number you need before you start house hunting.
True Affordability Calculator
Your real budget based on income, debts, and comfort — not bank maximums.
Full Monthly Breakdown
Principal, interest, taxes, insurance, PMI, HOA — every dollar mapped out.
Mortgage Comparison Tool
5 loan types compared side by side with your exact numbers.
Closing Costs Breakdown
Line-by-line estimate of every fee you'll pay at the closing table.
Buyer Readiness Score
Honest assessment of your credit, savings, and deal-breakers to fix.
Hidden Costs Calculator
Maintenance, utilities, moving, furniture — your true Year 1 cost.
How It Works
From guessing to knowing your number in 10 minutes.
1
Enter your financial details
Income, savings, debts, credit score, and target location.
~5 minutes2
Get your true home budget
AI calculates your real affordability with every cost included.
~2 minutes3
Compare loans and plan your purchase
Pick the best mortgage, check your readiness, and start shopping with confidence.
~10 minutes$50K–$100K
in overspending prevented by knowing your real number
10 min
to your true budget
20+
costs calculated
$0
surprises at closing
Questions
Everything you need to know.
How is this different from a free online mortgage calculator?
Free calculators show you principal and interest — two of the twenty costs of homeownership. This tool calculates property taxes for your specific area, homeowner's insurance, PMI, HOA fees, closing costs with line-item breakdown, annual maintenance, utility increases, and cash reserves you need after buying. It also compares 5 loan types and checks your buyer readiness. It's a full financial picture, not a napkin estimate.
I'm a first-time buyer — is this for me?
Especially for you. First-time buyers are most likely to overestimate their budget because they don't know about hidden costs. The AI also checks if you qualify for first-time buyer programs, FHA loans with 3.5% down, state grants, and down payment assistance programs that could save you thousands.
Why shouldn't I just trust the bank's pre-approval amount?
Banks approve you for the maximum loan you can technically repay — not the amount that lets you live comfortably. A bank might approve you for $400K when you'd be stressed above $300K. This tool uses the 28/36 rule AND your personal comfort zone to find the sweet spot where you own a home and still have a life.
Can this help me decide between renting and buying?
Yes. Once you see your true monthly ownership cost (including maintenance, taxes, insurance, and opportunity cost of your down payment), the AI can compare it to renting in your area. For some people, buying saves money. For others, renting and investing the difference builds more wealth. The tool gives you the math, not an opinion.
What if I'm not ready to buy yet?
The Buyer Readiness Check tells you exactly where you stand and what to fix — low credit score, insufficient savings, too much debt, or unstable income. It gives you a timeline to get ready and specific actions to take each month. Many users run this tool 6-12 months before they plan to buy so they can prepare properly.
Reviews
Real buyers, real budgets.
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