Quick Links HOME HOMES FOR SALE FEATURED LISTINGS COMMUNITIES NEW DEVELOPMENTS NEW LISTING ALERT 15 SECOND APPRAISAL HOME BUYING SELLING A HOME FREE REPORTS FORMS HOME FINANCE FINANCING TERMS TODAY'S RATES TESTIMONIALS SOUTH FLORIDA NEWS LOCAL NEWS MOVIE TIMES Communities ALL COMMUNITIES DELRAY BEACH BOCA RATON HIGHLAND BEACH PARKLAND BOYNTON BEACH GOLF & COUNTRY CLUB WATERFRONT LUXURY ESTATES ADDISON RESERVE CC BOCA COUNTRY CLUB BROKEN SOUND CC DELAIRE COUNTRY CLUB MIZNER COUNTRY CLUB ROYAL PALM YACHT & CC ST. ANDREWS CC WOODFIELD CC BOCA ISLES LONG LAKE ESTATES MIZNER'S PRESERVE NEWPORT BAY CLUB SATURNIA SATURNIA ISLES THE OAKS WOODFIELD HUNT CLUB BEACH AREA Buying a Home - HOME SEARCH - NEW HOMES - FEATURED LISTINGS - OPEN HOUSES - NEW LISTING ALERT - THE BUYING PROCESS - HOME LOAN PROCESS - FINANCE CENTER - FIRST TIME HOME BUYING - HOW TO HIRE AN AGENT - HIRE AN INSPECTOR - INSPECTION CHECKLIST - NEGOTIATING AS A BUYER - BUYING TAX BENEFITS - BUY AS AN INVESTOR - BUYERS RESOURCE CENTER - DOWN PAYMENT ASSISTANCE - BUYING RETIREMENT HOME - BUYING FIXER UPPER - 2ND HOME BUYER - BUILD OWN HOME - TYPICAL FAMILY BUYER - SINGLE BUYER - VACATION HOME BUYER - HOME MOLD INSPECTION - REMODELING - HOME INSURANCE Selling a Home - WHY USE US - WHAT IS MY HOME WORTH? - WHAT WILL MY HOME SELL FOR? - WHICH AGENT IS BEST - SELLING YOURSELF - SETTING THE PRICE - HOME STAGING - SELLING PROCESS - NEGOTIATING AS A SELLER - TAX IMPLICATIONS - 1031 TAX EXCHANGE - SELLERS RESOURCE CENTER Home Loan Center - LOAN PROCESS - TYPES OF LOANS - TYPES OF LENDERS - 0 DOWN - VA VET LOANS - FHA HUD - COP NEXT DOOR - NURSE-DOCTOR HOME LOANS - TEACHER HOME LOANS - MILITARY HOME LOANS - SINGLE PARENTS - STATE SPONSORED - GIFTING PROGRAM - POOR CREDIT - RAISE CREDIT SCORE - ESCROW - CREATIVE FINANCING	Gross Annual Income: $      Downpayment amount: $      *Monthly debt: $      Mortgage rate: (%)      Annual property taxes: $      Annual homeowners insurance: $             CONSERVATIVE AGGRESSIVE House price: $    Loan amount: $    Monthly mortgage payment: $    Taxes/Homeowners insurance: $      Total monthly payment: $           ABOUT THIS CALCULATOR: To arrive at an "affordable" home price, we followed the guidelines of most lenders. We've allowed a total debt-to-income ratio of no more than 36%. And we have assumed a housing payment-to-income ratio of 28% for our conservative estimate, and 33% for the aggressive one. Before buying, however, you should also factor in other savings needs, including retirement and college. ASSUMPTIONS: We've assumed a 30-year mortgage term, annual property tax of $3,500 and homeowners insurance of $481 - the national average. And we do not factor in private mortgage insurance, which you'll owe if your downpayment is less than 20 percent of the purchase price. It averages from $50 to $80 per month. Plug in your own numbers for more tailor-made results. *Include auto and student loans, alimony, child support payments and credit card payments.

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