Homebuyer Tools & Resources

Mortgage Calculator

About You

Gross Annual Income

Monthly Debts

Amount saved for a down payment

How much are you getting in a gift or grant?

Credit Score

Excellent 720+

Good 660-719

Average 620-659

Fair 580-619

Poor 579 or less

Let’s work together to ensure you get approved for a mortgage loan. Credit scores under 620 can lead to mortgage denial, higher rates, and more fees.

With the help of certified homeownership advisors, you’ll get a proven plan to boost your credit score and positioned for approval.

Plus, a higher score equals more lender options and down payment programs to choose from. Connect with a HUD-approved agency near you.

Home Price

Mortgage Interest Rate

Loan Term

Estimated Annual Property Tax

Estimated Homeowners Insurance Premium

Estimated Annual PMI

Credit scores under 620 may not qualify for mortgage insurance, so a down payment of at least 20% may be required.

Includes $0 in Private Mortgage Insurance, $0 in property taxes, and $0 in Homeowners Insurance.

Estimated cash you will need at the time of closing, completely separate from your down payment.

We recommend staying below 30% for your housing debt.

We recommend staying below 40% for your total monthly debt payments.