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Home Buying Calculator
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Use our handy home buying calculator to determine how much of your income can be spent on housing costs. We use the common banking figure of 28%.
Home Buying Calculator
 

Enter your information in the boxes below. Please do not include commas or dollar signs. When you click "Calculate," the amount you can spend on housing will appear below.
Help with terms used on the calculator

 
Before Tax
Income		 Down
Payment		 Mortgage
Rate		 Number of
Years
      


 
  *Note: This calculator uses the common banking figure of 28% when calculating how much of your income can be spent on housing. This figure may be higher or lower depending on the amount of debt you are carrying, the area of the country you are buying housing in, and other factors. The monthly payment is principal and interest only and does not reflect amounts to be paid into escrow, such as taxes or insurance. An LTV greater than 80% may result in a requirement to obtain mortgage insurance which could increase the payment and APR. If you have any questions, please contact us at your local banking center.
Home Buying Calculator Help
  Before Tax Income
The total of all your income before taxes. In this calculator you may use either your monthly income or your annual income. (Any number less than 10000 would be considered a monthly income figure.)
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Down Payment
The amount of the down payment you have already saved.
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Mortgage Rate
The interest rate the bank would charge you for your loan. In this calculator, you do not have to include the % sign.
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Number of Years
The length of the mortgage you are considering.
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Calculate
When you press the Calculate button, the calculator will compute the amount of housing you can afford. Results appear below the calculator. Please do not use commas, decimal points, or dollar signs.
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