Calculadora

Affordability Calculator

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Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

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Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

information
Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

information
Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

information
Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

¿Qué es más importante para usted?

Current Loan

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Monto de financiación

Enter the amount of the actual mortgage after down payment.

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Tasa de interés

Enter the interest rate of the original Mortgage.

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Loan Term

Enter the number of years of your original Mortgage.

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Mortgage Start Date

Choose the month and year your original mortgage started.

Préstamo nuevo

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Monto de financiación

Enter your current mortgage balance.

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Cash Out Amount

Enter the amount of Cash Out you are taking on your new mortgage.

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Refinancce Costs

Enter the amount of fixed refinance costs (Points/Fees).

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Monto del nuevo préstamo

The new loan amount after cash out and refinance costs.

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Tasa de interés

Enter the current Market Rate.

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Loan Term

Enter the number of years of the Mortgage.

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Mortgage Start Date

Choose the month and year the new mortgage will start.

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Include Refinance Costs

Will Refinance costs be included in the new loan?

informationMortgage Information

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Home Price

Enter the amount of the home's value.

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Enganche

Enter the amount or percentage of the down payment.

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Monto de financiación

Enter the amount of the actual mortgage after down payment.

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Tasa de interés

Enter the current Market Rate.

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Loan Term

Choose the number of years of the Mortgage.

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Mortgage Start Date

Choose the month and year the mortgage will start.

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PMI Rate

Private Mortgage Insurance (PMI) protects the lender from losing money if you default on the loan. Most mortgages with a down payment of less than 20% require PMI. his is an estimate based on the details above. PMI can vary significantly based on several factors.

Optional Information

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Home Insurance

Enter the annual amount of insurance.

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Annual Tax Amount

Enter the annual tax amount.

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Cuota HOA

Enter the annual HOA dues.

informationBuying Assumptions

informationRenting Assumptions

¿Qué es más importante para usted?

Current Loan

information
Monto de financiación

Enter the amount of the actual mortgage after down payment.

information
Tasa de interés

Enter the interest rate of the original Mortgage.

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Loan Term

Enter the number of years of your original Mortgage.

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Mortgage Start Date

Choose the month and year your original mortgage started.

Préstamo nuevo

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Monto de financiación

Enter your current mortgage balance.

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Cash Out Amount

Enter the amount of Cash Out you are taking on your new mortgage.

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Refinancce Costs

Enter the amount of fixed refinance costs (Points/Fees).

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Monto del nuevo préstamo

The new loan amount after cash out and refinance costs.

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Tasa de interés

Enter the current Market Rate.

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Loan Term

Enter the number of years of the Mortgage.

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Mortgage Start Date

Choose the month and year the new mortgage will start.

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Include Refinance Costs

Will Refinance costs be included in the new loan?

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Property Value or Purchase Price

Enter the property Value or purchase Price.

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Unit 1 Monthly Rent

Enter the Unit 1 Monthly Rent.

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Annual Property Taxes

Enter the Annual Property Taxes.

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Annual Insurance

Enter the Annual Insurance.

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Monthly HOA Fee

Enter the Monthly HOA Fee.

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Annual Utilities

Enter the Annual Utilities.

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Gastos de cierre

Enter the Closing Costs.

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Desglose del pago

$0

por mes

  • Principal e intereses
  • Impuestos
  • Seguro
  • Cuota HOA
  • PMI

Loan Details

  • Valor de la vivienda:
  • Monto de financiación:
  • Monthly Conventional Payment:
  • Enganche:
  • Monthly Estimated PMI:
Monthly Mortgage Payment

Loan Amount

Your Debt to Income Ratio

/

 Allowable Debt to Income Ratio

50%/50%
Purchase Price $200000
Enganche $0
Summary: Based on what you input into today your Total Payment would be $2850 on a Conventional Loan with a Down Payment of 15%. Your Debt-to-Income Ratio is 32%/45% and the maximum allowable on this program type is 50%/50%. Please confirm all these numbers for accuracy with your loan officer. The Monthly Debts Calculation is often where we see errors.

Desglose del pago

$0

por mes

  • Principal e intereses
  • Impuestos
  • Seguro
  • Cuota HOA
  • MIP

Loan Details

  • Valor de la vivienda:
  • Base Loan Amount:
  • Monthly FHA Payment:
  • Enganche:
  • FHA Loan Amount:
  • Upfront MIP:
Monthly Mortgage Payment

Loan Amount

Your Debt to Income Ratio

/

 Allowable Debt to Income Ratio

50%/50%
Purchase Price $200000
Enganche $0
Summary: Based on what you input into today your Total Payment would be $2850 on a Préstamo FHA with a Down Payment of 15%. Your Debt-to-Income Ratio is 32%/45% and the maximum allowable on this program type is 50%/50%. Please confirm all these numbers for accuracy with your loan officer. The Monthly Debts Calculation is often where we see errors.

Desglose del pago

$0

por mes

  • Principal e intereses
  • Impuestos
  • Seguro
  • Cuota HOA

Loan Details

  • Valor de la vivienda:
  • Base Loan Amount:
  • Monthly VA Payment:
  • Enganche:
  • VA Loan Amount:
  • VA Funding Fee:
Monthly Mortgage Payment

Loan Amount

Your Debt to Income Ratio

/

 Allowable Debt to Income Ratio

65%/65%
Purchase Price $200000
Enganche $0
Summary: Based on what you input into today your Total Payment would be $2850 on a Préstamo VA with a Down Payment of 15%. Your Debt-to-Income Ratio is 32%/45% and the maximum allowable on this program type is 65%/65%. Please confirm all these numbers for accuracy with your loan officer. The Monthly Debts Calculation is often where we see errors.

Desglose del pago

$0

por mes

  • Principal e intereses
  • Impuestos
  • Seguro
  • Cuota HOA
  • USDA MIP

Loan Details

  • Valor de la vivienda:
  • Base Loan Amount:
  • Monthly USDA Payment:
  • Enganche:
  • USDA Loan Amount:
  • USDA Guarantee Fee:
Monthly Mortgage Payment

Loan Amount

Your Debt to Income Ratio

/

 Allowable Debt to Income Ratio

29%/41%
Purchase Price $200000
Enganche $0
Summary: Based on what you input into today your Total Payment would be $2850 on a Préstamo USDA with a Down Payment of 15%. Your Debt-to-Income Ratio is 32%/45% and the maximum allowable on this program type is 29%/41%. Please confirm all these numbers for accuracy with your loan officer. The Monthly Debts Calculation is often where we see errors.

Desglose del pago

$0

por mes

  • Principal e intereses
  • Impuestos
  • Seguro
  • Cuota HOA
  • PMI

Loan Details

  • Valor de la vivienda:
  • Monto de financiación:
  • Monthly Conventional Payment:
  • Enganche:
  • Monthly Estimated PMI:
Monthly Mortgage Payment

Loan Amount

Your Debt to Income Ratio

/

 Allowable Debt to Income Ratio

50%/50%
Purchase Price $200000
Enganche $0
Summary: Based on what you input into today your Total Payment would be $2850 on a Jumbo Loan with a Down Payment of 15%. Your Debt-to-Income Ratio is 32%/45% and the maximum allowable on this program type is 50%/50%. Please confirm all these numbers for accuracy with your loan officer. The Monthly Debts Calculation is often where we see errors.
Pago total Importe total del préstamo Total intereses pagados

Desglose del pago

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Desglose del pago

Un desglose de su pago total para que pueda ver dónde se reparte el dinero.

$1,915

por mes

  • Principal e intereses
  • Impuestos
  • Seguro
  • Cuota HOA
  • PMI
  • Pago extra
  • Pago mensual
  • Pago total
  • Valor de la vivienda:
  • Monto de financiación:
  • Principal e intereses mensuales:
  • Pago extra mensual:
  • Impuesto sobre la propiedad mensual:
  • Seguro de vivienda mensual:
  • PMI mensual:
  • Cuota mensual de HOA:
  • # total de pagos:
  • Enganche:
  • Principal:
  • Pago adicional total:
  • Total intereses pagados
  • Total impuestos, seguro, PMI y cuotas:
  • Total de todos los pagos:
Ahorros Importe del pago Acortar el plazo del préstamo por

Estrategia de pago anticipado

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Estrategia de pago anticipado

Añada un pago extra y compruebe cuántos meses puede eliminar en la parte final del préstamo.

Pago de suma única

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Pago de suma única

Acorte el plazo de su préstamo pagando una suma única al principal.

Monthly Payment Decrease

$

 Total Interest Difference

$

Monthly Payment Comparison

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Desglose del pago

Un desglose de su pago total para que pueda ver dónde se reparte el dinero.

Current Loan

$

Préstamo nuevo

$

Monthly Payment Difference

$
Refinance Costs

$

 Time to Recoup Fees

Total Interest Comparison

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Desglose del pago

Un desglose de su pago total para que pueda ver dónde se reparte el dinero.

Current Loan Remaining Interest

$

New Loan Interest

$

Total Interest Difference

$
Años 1 año

Results Summary

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Comprar Alquilar
Cash Spent $ $
Home value -$ --
Balance on Loan $ --
Closing costs on sale $ --
Adjusted Net Cash Savings $ $

Renta

$

Buy

$556
YEAR

2

 BUY GAIN

$43,244
BUY

$43,244

 RENT

$43,244
Out of Pocket Cost:If you opt for homeownership of a property valued at $, your total expenses out of your pocket for 2 years would add up to $. However, if you choose to rent instead, your overall expenditure would come to $, thus saving you $ (which also covers the down payment you would have otherwise made).
Financial Gain:After 2 years, if you choose to purchase the property, the value of equity in your home would be $, which you can access upon selling it.
Summary:Based on the overall expenses incurred and the equity gained, it would be more advantageous for you to buy the property instead of renting, provided you intend to reside in the house for more than 2 years.
Pago total Importe total del préstamo Total intereses pagados

Desglose del pago

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Desglose del pago

Un desglose de su pago total para que pueda ver dónde se reparte el dinero.

$1,915

por mes

  • Principal e intereses
  • Impuestos
  • Seguro
  • Cuota HOA
  • Pago extra
  • Pago mensual
  • Pago total
  • Valor de la vivienda:
  • Monto de financiación:
  • Principal e intereses mensuales:
  • Pago extra mensual:
  • Impuesto sobre la propiedad mensual:
  • Seguro de vivienda mensual:
  • Cuota mensual de HOA:
  • # total de pagos:
  • Enganche:
  • Principal:
  • Pago adicional total:
  • Total intereses pagados
  • Total impuestos, seguro y costos:
  • Total de todos los pagos:
Ahorros Importe del pago Acortar el plazo del préstamo por

Estrategia de pago anticipado

information
Estrategia de pago anticipado

Añada un pago extra y compruebe cuántos meses puede eliminar en la parte final del préstamo.

Pago de suma única

information
Pago de suma única

Acorte el plazo de su préstamo pagando una suma única al principal.

Monthly Payment Decrease

$

 Total Interest Difference

$

Monthly Payment Comparison

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Monthly Payment Comparison

Un desglose de su pago total para que pueda ver dónde se reparte el dinero.

Current Loan

$

Préstamo nuevo

$

Monthly Payment Difference

$
Refinance Costs

$

 Time to Recoup Fees

Total Interest Comparison

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Total Interest Comparison

Un desglose de su pago total para que pueda ver dónde se reparte el dinero.

Current Loan Remaining Interest

$

New Loan Interest

$

Total Interest Difference

$
Cash Flow

$

 Cap Rate

%

Deal Breakdown

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Deal Breakdown

A breakdown of your rental loan deal.

  • Loan Amount:
  • Enganche:
  • Mortgage Payment:
  • Monthly Payment:
  • Origination Fee Amount:

Deal Metrics

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Deal Metrics

A metrics of your rental loan deal.

  • Total Closing Costs:
  • Cash Needed to Close:
  • Price Per Unit:
  • Gross Rental Income:
  • Operating Expenses:
  • Net Operating Income:
Cash on Cash Return

%

 DSCR

Return Metrics

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Deal Metrics

A metrics of your rental loan return.

  • Cash Flow:
    Annual cash flow after all expenses and mortgage are paid.
  • Cap Rate:
    Cap rate, or capitalization rate, is a metric that divides your net operating income (not including your mortgage) by the purchase price or property value. It is most useful in comparing multifamily properties.
  • Cash on Cash Return:
    Cash on cash return is a metric that divides your pre-tax cash flow by the total cash invested in the deal. This is a key metric for most investors.
  • DSCR:
    DSCR calculates the ratio of rental income to your mortgage payment. Ideally, you'll have a DSCR of 1.0 or higher.
Borrower Equity Needed

$

 Net Profit

$

Deal Breakdown

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Deal Breakdown

A breakdown of your rental loan deal.

  • Loan Amount:
  • Enganche:
  • Monthly Interest Payment:
  • Total Interest Over Term:
  • Origination Fee Amount:
  • Other Closing Costs Amount:
  • Cost To Sell Amount:

Deal Metrics

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Deal Metrics

A metrics of your rental loan deal.

  • Closing Costs:
  • Carrying Costs:
  • Borrower Equity Needed:
  • Total Cash In Deal:
Return on Investment

%

 Loan to After Repaired Value

%

Return Metrics

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Deal Metrics

A metrics of your rental loan return.

  • Net Profit:
  • Loan to After Repaired Value:
  • ROI:

Descargo de responsabilidad:

Los resultados obtenidos con esta calculadora se han diseñado únicamente con fines comparativos y no se garantiza su exactitud. No garantizamos la exactitud de cualquier información o entradas por los usuarios del software.

Esta calculadora no tiene la capacidad de pre-calificar para cualquier programa de préstamo que debe ser verificado de forma independiente con uno de nuestros asesores de préstamo. La calificación para los programas de préstamos puede requerir información adicional, como la puntuación de crédito y reservas de efectivo que no se recoge en esta calculadora. La información, como los tipos de interés y los precios, está sujeta a cambios en cualquier momento y sin previo aviso. Los gastos adicionales, como las cuotas de la Asociación de Propietarios (HOA), no se incluyen en los cálculos. Toda la información, como tipos de interés, impuestos, seguros, pagos de PMI, etc., son estimaciones y sólo deben utilizarse para comparar. No garantizamos ninguna de la información obtenida por esta calculadora.

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