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Tools · Estimates only

Run your numbers.

Affordability, monthly payment, buydowns and seller credits. Use these to get a feel for it, then let's build the real strategy around your family.

Stormy Ray

Calculators give you a ballpark. I'll run the real numbers with you, for your situation.

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How Much Home Can I Afford? Found a Home? Get the Monthly Payment 2/1 Buydown Calculator Seller Concession Calculator

How Much Home Can I Afford?

Enter your income and expenses to estimate your maximum home price.

Maximum Home Price—
Maximum Loan Amount—
Estimated Monthly P&I—
Total Monthly Payment (PITI)—
DTI Ratio—
Chat with Stormy to Confirm →

Found a Home? Get the Monthly Payment

Get a full PITI estimate — principal, interest, taxes, insurance, PMI, and more.

KNOW THE ADDRESS? GET ESTIMATED RATES

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%
%

If unsure, defaults to 2.01%

%

Conv: sets your down payment

$

Defaults to 0.6% annually

Monthly Payment Breakdown

Loan Amount—
Principal & Interest—
Monthly Property Tax—
Monthly Insurance (HOI)—
PMI—
Total Monthly PITI—

Cash to Close Estimate

Down Payment—
Closing Costs (est.)$3,959
Escrow Reserves (3 mo tax + 15 mo HOI)—
Total Estimated Cash to Close—
Get My Personalized Quote →

2/1 Buydown

Rate drops 2% in year one, 1% in year two.
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%
%
%
≈ $600/mo
$
Loan Amount$380,000

2 Year Temporary Buydown

A 2/1 buydown lowers the rate 2% below the note rate in year one and 1% below in year two, then settles at the full note rate for the rest of the term. The total at the bottom is the seller credit needed to fund it.
PeriodRateP&ITaxes,
Ins & MI		Total
Payment		Monthly
Savings		Savings
That Year

3/2/1 Buydown

Rate drops 3% in year one, 2% in year two, 1% in year three.
$
%
%
%
≈ $600/mo
$
Loan Amount$380,000

3 Year Temporary Buydown

A 3/2/1 buydown lowers the rate 3% below the note rate in year one, 2% below in year two and 1% below in year three, then settles at the full note rate for the rest of the term. The total at the bottom is the seller credit needed to fund it.
PeriodRateP&ITaxes,
Ins & MI		Total
Payment		Monthly
Savings		Savings
That Year

Seller Concession Calculator

See how seller-paid concessions can cover your closing costs and reduce cash to close.

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%

Conv: affects max concession limit

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Closing Costs Breakdown

Lender Processor Fee$700
Lender Underwriting Fee$995
Attorney / Doc Prep$225
Appraisal Fee$700
Credit Report$130
Flood Cert$9
Title Courier Fee$25
Title Doc Prep$175
Title Recording Fee$300
Title Escrow Fee$350
Title Tax Cert$50
HOA Transfer Fee$300
Total Closing Costs$3,959

Concession Analysis

Requested Concession—
Max Allowed Concession—
Closing Costs Covered—
Remaining for Rate Buydown—
Cash to Close After Concession—
Talk Strategy with Stormy →

For illustrative purposes only. Calculations are estimates based on the inputs provided and do not constitute a loan offer or commitment to lend. Actual rates, payments, and costs will vary based on creditworthiness, loan type, property, and other factors. Not all applicants will qualify.

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