Three inputs. The app does the rest.
Can I Afford THIS House?
Give the house address, asking price and your down payment. The tool starts with the current 30-year mortgage benchmark and automatically builds the property-specific monthly cost picture.
No tax lookup. No insurance field. No HOA guess. No commute worksheet. We pull reliable public context where it exists, model what can be responsibly estimated, and flag anything a free nationwide data source cannot price.
Start here
Check this house
Your exact address and financial values are used for this calculation, not sent as analytics event details.
Property-specific cost picture
What this house really costs
AUTOMATED PROPERTY COST ESTIMATE
The app combines your three inputs with the current mortgage-rate benchmark, public data and transparent planning assumptions.
Easy what-if
Adjust the mortgage rate
First run uses the current Freddie Mac 30-year benchmark.
Automatically assembled
Monthly cost breakdown
Affordability context without another input
Gross-income benchmark
This is context, not an approval decision.
Automatically checked
FEMA flood context
No fake precision
Costs we cannot reliably price automatically
These are flagged automatically instead of being silently treated as zero.
How the app built the answer
Sourced, modeled and derived
Method
You enter three things. The app assembles the rest.
The first run uses a fixed 30-year mortgage term and the current Freddie Mac 30-year benchmark rate, then adds automatic estimates for property tax, homeowners insurance, PMI when the down payment is below 20%, and a maintenance reserve. FEMA flood context is checked from the address. After the first result, you can replace the benchmark rate with your actual quote and recalculate instantly.
Mortgage P&I + PMI + estimated property tax + estimated homeowners insurance + maintenance reserve + any priced flood premium
The monthly result is shown as a range when taxes or insurance are uncertain. HOA dues, utilities and actual flood-insurance premiums are not invented when a dependable nationwide free source cannot provide them.
Planning tool, not underwriting. The income benchmark is not a lender approval and does not know your other debts, credit profile, taxes, insurance quote, HOA obligations or cash reserves. Verify material costs before making a purchase decision.
What does “Can I afford this house?” mean here?
First, it means knowing what the house is likely to cost beyond the mortgage payment. This tool automates that first-pass property analysis from only three inputs, uses the current mortgage benchmark automatically, and shows the uncertainty instead of hiding it.
It also gives a gross-income housing-cost benchmark without pretending to know your personal debts or lender underwriting. The goal is to turn a listing price into a usable real-cost picture in one pass.