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Affordability calculator

A clearer picture starts with a few numbers. Adjust the details to explore your own scenario.

A CLEARER PICTURE

Find your starting point.

Explore a purchase budget based on your income and debts.

Monthly debt payments, excluding your current housing.
Housing + other debts ÷ gross income. An editable assumption.

Illustrative example. Make these numbers your own.

VIP HOME LOANSESTIMATE

Estimated purchase budget

$476,357

Based on the assumptions you selected.

Monthly housing budget
$3,100
Down payment used
$85,000
Estimated loan
$391,357
Assumed total DTI
36%
Calculated monthly payment$3,100

Fixed-rate estimate includes the taxes, insurance and HOA entered. Excludes PMI, closing costs and reserves. DTI is an assumption, not an approval standard. Rates are illustrative, not offers or preapprovals.

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