Buyer Affordability Calculator

Start with your monthly budget and work backward to find your ideal purchase price range in South Florida.

Reverse Buyer Calculator

Start With the Monthly Budget and Work Backward

This calculator helps answer the real question buyers often ask first: "If I only want to spend about this much per month, what purchase price should I stay around?"

Monthly Budget Target

The buyer's all-in target monthly payment.
Creates a safer target range below the max estimate.

Loan Assumptions

Monthly Property Costs

Estimated Buyer Cash Items

Estimated Purchase Range

Target Max Price
$0
Approximate top purchase price based on the monthly budget entered.
Comfort Price Range
$0
A more conservative range after applying the comfort buffer.
Estimated Loan Amount
Based on your monthly target and financing assumptions.
$0
Estimated Down Payment
Using the down payment percentage selected.
$0
Taxes + Insurance + HOA + Extras
Monthly non-mortgage costs removed first before solving for price.
$0
Mortgage Insurance
Estimated based on loan type and down payment.
$0
Estimated Monthly Payment
Built back to your entered target.
$0
Estimated Closing Costs
Percentage-based estimate from the purchase price.
$0
Buyer's Broker Compensation
Shown for visibility and included only if buyer-paid.
$0
Broker Fee
Flat buyer-paid broker / transaction fee.
$0
Credits Applied
Seller credits and earnest money already paid.
-$0
Estimated Cash Needed
Approximate funds needed if buying at the max estimated price.
$0
This reverse calculation is meant to help establish a practical search range. Final affordability should always be confirmed by the lender using the buyer's income, debts, credit profile, reserves, and program-specific guidelines.
Disclaimer: This tool is intended for planning purposes only. It reverse-engineers an estimated purchase range using simplified assumptions. Actual approval amounts and cash-to-close figures will vary based on rate, taxes, insurance, condo/HOA details, lender overlays, mortgage insurance, credit profile, and negotiated transaction terms.