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Sarah Funt, REALTORŪ, real estate agent and broker for Bethesda and Chevy Chase Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)
All Realtors are NOT alike! Find out why I am a top real estate expert. Call me: 301-215-6843.


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Mortgage Calculators: Bethesda and Chevy Chase Maryland home buying, real estate listings, and homes for sale in Montgomery                     County, MD
Welcome > Resources > Mortgage Calculators > How Much Can You Afford? ...


The Best Mortgage Calculators On the Web!


Please try my Java loan and mortgage calculators. They take a minute to load, but they are worth it! Each calculator has dynamic graphs and charts that change - right before your eyes - as you enter different information. Each financial calculator also includes a View Report option. The mortgage repayment schedule and other reports are fully customizable. These reports are designed for you to print out and keep...


How Much Can You Afford?

The first step in buying a house is determining your budget. This calculator steps you through the process of finding out how much you can borrow. Fill in the entry fields and click on the payment schedule button to see a complete amortization schedule of your mortgage payments.

This Financial Calculator requires a Browser with Java Support


Definitions

  • Annual income
    Your annual income. For married couples this is your total combined annual income.

  • Purchase price
    The price of the home you wish to purchase. This is the actual price you'll pay, not including any closing costs.

  • Total monthly payment
    Total monthly payment that you can qualify for. This is the total of principal, interest, taxes and insurance paid each month. Often called PITI.

  • Cash on hand
    Cash you have for the down payment and all closing costs.

  • Interest rate
    The current interest rate you can receive on your mortgage.

  • Term in years
    The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years.

  • Property tax rate
    Your property tax rate. 1% for a $100,000 home equals $1,000 per year in property taxes.

  • Home insurance rate
    Your homeowner's insurance rate. 0.5% for a $100,000 home equals $500 per in for homeowner's insurance.

  • Monthly car payment(s)
    Total monthly payment for your car loan(s).

  • Credit card payments
    Total monthly minimum payments for your credit cards.

  • Other loan payments
    Any other installment loan payments, such as student loans or unsecured loans.

  • Total closing costs
    Total up front costs to close your loan. This is the total of your loan origination fee, points paid and other closing costs.

  • Loan origination rate
    The percentage the lending institution charges for its origination fee. 1% for a $100,000 home equals $1,000.

  • Number of points paid
    The total number of points paid to reduce the interest rate of your mortgage. Each point costs 1% of your mortgage balance.

  • Other closing costs
    Estimate of all other closing costs for this loan. This should include filing fees, appraiser fees and any other misc. fees paid.

  • Monthly PMI payment
    Monthly cost of Principal Mortgage insurance (PMI). For loans secured with less than 20% down, PMI is estimated at 0.5% of your loan balance each year. Monthly PMI is calculated by multiplying your starting loan balance by this percent and dividing by 12. When your loan balance exceeds 20% of the original purchase price, your PMI payment drops to zero.

  • Monthly PI payment
    Monthly principal and interest payment.

  • Total for down payment
    Total funds remaining, after closing costs, for down payment.

  • Limit down payment to 20%
    Limit down payment to 20% of the purchase price. Even if you have more cash on hand than required for closing costs and a 20% down payment.

  • Show schedule by month
    Display the payment schedule by month when you press the Payment Schedule button.

  • Show schedule by year
    Display the payment schedule by year when you press the Payment Schedule button.

  • Total debt percent of annual income
    Not shown. This is the percent of your annual income your financial institution allows you to use for installment payments debt. This includes car payments, credit card payments, other loan payments and your "Principal, Interest, Tax and Insurance" payment for your home. The default rate is 36%.

  • PITI percent of annual income
    Not shown. This is the percent of your annual income your financial institution allows you to use for your "Principal, Interest, Tax and Insurance" payment for your home. The default rate is 28%.

  • Qualify amount
    Shown as "Total monthly payment." This is the total amount you qualify for per month. This amount is the total of "Principal, Interest, Tax and Insurance" for your home.



Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

 



Sarah Funt, REALTORŪ, real estate agent and broker for Bethesda and Chevy Chase Maryland home listings, property and land for sale - NUMBER1EXPERT(tm)

Sarah Funt
Long & Foster Realtors

4650 East West Hwy.
Bethesda, MD 20814
301-215-6843
301-509-1283
Fax: 301-907-6610
Email: SarahFunt@NUMBER1EXPERT.com

Sarah is one of the top producing real estate agents in the Montgomery County area. Her dedication to personalized service will make your real estate experience successful. Call or email Sarah today!

CRBEqual Housing


Long & Foster Realtors real estate and homes for sale in Bethesda and Chevy Chase Maryland

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Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
Determine Tax Savings: Calculate how much your monthly Bethesda and Chevy Chase Maryland mortgage payments save you on your taxes because of loan interest
Should You Rent or Buy?: Is it better to rent a home in Maryland or buy your own Bethesda and Chevy Chase house, ranch, luxury property, condominium, acreage, or other real estate?
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Real Estate Tips: Sarah Funt's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers
Real Estate Trivia: Sarah Funt's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more
Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Bethesda and Chevy Chase property in Maryland, including legal terms definitions, and more

Why Buyers Choose Me: Why homebuyers in the Bethesda and Chevy Chase area choose Sarah Funt as their Realtor
Latest Listings: Get Sarah Funt's latest Bethesda and Chevy Chase listings of homes for sale first!
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Mortgage Prequalification: Pre-qualify for a mortgage or loan for your Bethesda and Chevy Chase house or other real estate or property

Why Sellers Choose Sarah Funt: Why home sellers in Bethesda and Chevy Chase choose Sarah Funt
Free Presentation: Free in-home listings presentation on marketing your Bethesda and Chevy Chase, Maryland property
Property Valuation: How much is your Bethesda and Chevy Chase home worth?
What Did That Home Sell For?: What did that Bethesda and Chevy Chase, Maryland property or other real estate sell for?
FSBO: Selling your Bethesda and Chevy Chase real estate on your own?

Feature Homes: Homes, properties, & other real estate in Bethesda and Chevy Chase and Maryland with virtual tours, photos, and more
National Listings Databases: Homes for sale in national American USA web site listings databases of properties
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Unique & Luxury Homes: Homeuyers, find luxury homes, real estate, beach front properties, mansions, & acreage/land for sale on these top national & international listings web sites
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