Mortgage & Move Planner
Explore affordability and tradeoffs. This is directional, not financial advice.
$68,600/yr · $38,000 down
$180,000/yr · $43,000 down
Real Purchase Roof
Down payment supports $150,217, but income limits you to $130,481. $4,539 remaining after all upfront costs — choose a strategy below.
$460/mo in debt obligations reduces your roof by ~$20,000.
Each 1% lower rate raises your roof by ~$11,000.
Income Sources
Drive Uber
$600/mo
Rental Unit
$950/mo
Pat
$35,000/yr
Jamie
$50,000/yr
One or more sources entered as net — withholding row reflects gross items only.
Purchase Roof
Limiting factor$130,481
$1,063/mo · 20% down · 7.00%
Recommended: 25-30% for comfortable living, up to 35% for aggressive buying
Upfront Cash Sources
Savings Account
$18,000
Family Gift
$20,000
Sell Investments
$7,000
Where your cash goes
Before closing
At closing
After closing
$4,540 remaining from your $38,000 sources
Purchase Roof
Not limiting$150,217
$38,000 at 20% down
Choose your strategy:
💰 Save it
Keep $4,540 for emergencies or other goals
📉 Reduce loan amount
Apply $4,540 extra to down payment → Lower loan amount → Save ~$30/month
🏠 Buy more expensive house
Use full $38,000 down payment → Stay within your $1,063/month budget
Mortgage Details
Loan Term
Down Payment %
Credit Score
Interest Rate
Debt Obligations · 8% DTI (43% Max)
How durable this plan is.
See how income, payment, taxes, and upfront costs interact over time.
How the place reshapes the math.
Property taxes, insurance, and local context can quietly change your real monthly picture.