Buyer tools

Buyer's
calculators.

Two calculators built on real metro-Detroit millage rates, MSHDA assistance, and the costs most online estimators quietly leave out. Change anything you like — the math updates as you type.

What can I comfortably afford?

Answer a few questions about your life, not just your income, and you'll see a comfortable home price, the real monthly cost, and the cash you'll actually need at the table.

Your monthly take-home pay

After taxes. Combine both incomes if you're buying together.

How should housing fit your life?

Lower leaves more for travel, savings, and everything else.

Top location where you'd like to buy?

Sets your estimated property-tax (millage) rate.

Home type

Monthly HOA / association fee

An association fee lowers what you can afford dollar for dollar.

How handy are you?

When it comes to repairs & maintenance, how much will you realistically do yourself vs hire?

Check here to exclude monthly savings

What you set aside each month for repairs and upkeep.

Estimated credit score

Sets your estimated interest rate.

Down payment

Comfortable home price

Estimated monthly cost

Principal & interest$0

Estimated Mortgage Insurance$0

Property taxes$0

Homeowner's insurance$0

HOA / association$0

Repair & upkeep reserve$0

Total monthly$0

Cash you'll need

Out of pocket now (earnest + inspection)$0

Additional at closing (rest of down payment + closing costs)$0

Total cash to buy$0

Let's talk through your numbers →

I'll keep these results so we can pick up right where you left off.

What will the monthly payment be?

A full breakdown — principal, interest, taxes, insurance, mortgage insurance, and association fees — plus what the loan costs you over its whole life.

Home price

Down payment

Credit score

Loan term

Interest rate

Taxes, insurance & fees

Property-tax area

Estimates Michigan primary-residence taxes, or enter your own below.

Property tax / year

Insurance / year

HOA / month

Mortgage insurance rate / year

Mortgage insurance may be required with a lower down payment. The cost and how long you pay it depend on your loan type, down payment, lender, and borrower qualifications. Removal is not always automatic — depending on your loan you may need to request it once you have enough equity, and some loan types require it for the life of the loan. This calculator uses an estimated amount for planning purposes.

Estimated monthly payment

$0/mo

Principal & interest$0

Property taxes$0

Homeowner's insurance$0

Estimated Mortgage Insurance$0

HOA$0

Loan amount

Total interest

Total of payments

Estimated cash to purchase

Earnest money deposit$0

Home inspection$0

Remaining down payment$0

Closing costs (est. 3%)$0

Less MSHDA assistance$0

Total cash to purchase$0

Earnest money and the inspection are paid up front; the rest is due at closing. Assumes the seller pays both agents (negotiable).

Get a real rate & a game plan →

I'll keep these results so we can pick up right where you left off.

Year-by-year payoff schedule

Year	Principal	Interest	Balance

Estimates are provided for planning purposes only. Actual mortgage payments, interest rates, taxes, insurance, mortgage insurance, closing costs, assistance programs, and cash needed at closing will vary based on the property, loan program, lender, borrower qualifications, and current rates. Consult your lender for loan-specific figures.

Numbers are a start

Let's make them real.

Calculators are a good start, but direct guidance matters more. Get in touch and I'll give you personalized advice on your numbers, plus referrals to mortgage lenders I've worked with and trust.

Contact Me → Or text me: 517.249.7025

Buyer'scalculators.

What can I comfortably afford?

What will the monthly payment be?

Let's make them real.

Buyer's
calculators.