Run the numbers, then talk them through.
Estimates for planning. Maya Ellison will walk you through real options for your situation.
—/mo estimated
- Principal & interest
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- Tax & insurance
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- HOA
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- Loan amount
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—estimated price range top
- Max housing payment
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- Principal & interest budget
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- Estimated loan
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Uses a 30-year term. Lenders and loan programs use different DTI limits; this is a starting point for a conversation.
—/mo difference
- Current P&I
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- New P&I
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- Break-even
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A lower payment can still cost more over time if the term gets longer. Compare total interest with a loan officer.
—total (back-end) DTI
- Housing (front-end) DTI
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- Total monthly debts
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DTI = monthly debt payments ÷ gross monthly income. Program limits vary.
Estimates for education only. Not an offer, a rate quote or a commitment to lend. Example rates are not current market rates. Saltgrass Home Loans is a fictional sample lender.