Rates change daily — compare options before you lock.Tip: Use the MLS Monthly Cost tool before you tour homes.Grants may reduce upfront cash needed — check eligibility.New Construction: ask about rate buydowns + closing cost credits.Paying just a little extra can save thousands in interest.Shop insurance early — it can change your payment a lot.HOA fees can change affordability — confirm monthly/annual costs.Ask about assumable mortgages — you may inherit a lower rate.Sellers: estimate net proceeds before you list.Buy before you sell? Compare the timing. Rates change daily — compare options before you lock.Tip: Use the MLS Monthly Cost tool before you tour homes.Grants may reduce upfront cash needed — check eligibility.New Construction: ask about rate buydowns + closing cost credits.Paying just a little extra can save thousands in interest.Shop insurance early — it can change your payment a lot.HOA fees can change affordability — confirm monthly/annual costs.Ask about assumable mortgages — you may inherit a lower rate.Sellers: estimate net proceeds before you list.Buy before you sell? Compare the timing.

DTI Pre-Check

Estimate your Debt-to-Income (DTI) ratio and see a simple “pre-check” range. Planning/education only — not a loan approval.

Mortgage Calculator Affordability

Results

Housing DTI (Front-end)
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Total DTI (Back-end)
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Quick Guidance
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Planning/education only. Real approvals depend on credit, reserves, income type, compensating factors, AUS findings, and program rules.

Down Payment Grants

Many buyers reduce their required cash-to-close using Down Payment Grants, forgivable loans, or second mortgages.

Check what Down Payment Grants you may qualify for