Which calculator to use when
Starting from scratch
Open How much house can I afford. It runs FHA, Conventional, VA and USDA side by side, names the limit holding you back, and ranks which debt to pay off first.
Looking at a specific home
Use the price check. It tells you whether the price works on each program and how much income and cash it takes. Agents use it at showings.
Paying rent and wondering about buying
The rent vs own calculator finds the FHA price whose full payment equals your rent.
Checking your ratios
Front-end and back-end debt-to-income, measured against each program's limits, are what the DTI calculator shows you.
Pricing out a payment
The mortgage payment calculator builds the full monthly payment with mortgage insurance and financed fees.
Carrying student loans
The student loan DTI calculator shows what each program counts, including $0 income-driven and deferred loans.
Figuring the money for closing day
The cash to close calculator adds up down payment and costs, then subtracts seller credits and gifts.
Adding a parent or grandparent
The co-signer calculator shows how much a co-signer raises your price, with SSI and Social Security counted.
Buying a duplex to fourplex
The house hacking calculator counts 75% of the rent from the units you won't live in.
Buying a rental
For an investment property, the DSCR calculator qualifies the deal on its rent alone.
Checking the limit in your county
Loan limits shows FHA and conforming limits for 1 to 4 units.
When you'd like a person to look over the results with you, call AAA Capital Funding at 888-601-8344.