Affordability calculator
See the price range you can afford from income, debts and down payment, with taxes, insurance, HOA and PMI counted in, and a foreign-national option.
Estimated price you can afford
$360,624
Estimated monthly payment: $2,800/mo
An estimate for planning, using the conventional 28/36 debt-to-income guide: housing cost at or under 28% of gross monthly income, and total debt at or under 36% of it. Whichever of the two limits binds first sets the budget. Taxes, insurance, HOA, and PMI are all counted inside that housing cost, and PMI is dropped at 20% down or more. The price shown is the highest one whose full monthly cost fits, so at some down payments the payment lands below the budget rather than exactly on it. Not a loan approval. Foreign-national programs usually need a larger down payment and a slightly higher rate.
What that monthly payment covers
More free tools
Mortgage payment calculator
Estimate the full monthly payment: principal, interest, property tax, insurance, HOA and PMI.
Closing-cost estimator
Itemised Miami-Dade buyer closing costs, cash or financed: title insurance, recording, survey and mortgage taxes, with deed stamps and FIRPTA explained.
Rent vs buy calculator
Compare the real cost of renting and buying over your time horizon, including property tax, insurance, selling cost and a return on the down payment.
Neighborhood match quiz
Answer five questions about budget, how you will use the home, property type and getting around, and see which Miami areas match your answers.
Property tax calculator
Estimate annual property tax in any US state, with Miami-Dade detail for Florida.
True monthly cost of owning
The true monthly cost of owning: mortgage, property tax, HOA, insurance and upkeep added into one number instead of just principal and interest.
Want these numbers on a real property?
Send us your budget and goals and we do the rest, in your language.
Get in touch