BUYER CONSULTATION APP

Buying Power

Fast planning numbers for qualification, payment targets and specific properties.

v2.9

MARKET RATE SNAPSHOT

Current national mortgage-rate averages

Live informational rate data provided by Mortgage News Daily. These market averages are separate from the interest rate used in this calculator and will never change your calculation automatically.

Updated by MND on market daysNational averagesNot a rate quote

View full rate data at Mortgage News Daily ↗

Source: Mortgage News Daily rate index

What does the client want to know?

Pick the question first. The app only shows what is useful for that goal.

Client question

Choose the loan program

Only program assumptions relevant to this goal are shown.

Loan program

Planning DTI45.0%Program default

Default down5.0%Auto-loaded

Mortgage insurancePMI < 20%PMI estimated when down payment is below 20%.

DTI note: 45% planning baseline. DU can allow up to 50% in eligible cases. Override

Property

Paste a Zillow, Redfin, Realtor.com, Homes.com link or type a full property address. Public records are used when available.

Enter Address or Listing Link

APN

Borrower profile

Income, monthly obligations and optional cash drive the qualification estimate.

Borrower

Borrower 1

Monthly income$0/mo

Employment income

Annual

/yr

Other qualifying income / month

/mo

Car / auto

Credit card minimums

Personal / installment loans

Alimony / child support

Recurring BNPL / pay-over-time

Other monthly debt

Credit score rangeCash available for transaction

Optional. Only enter funds you want counted toward cash-to-close.

Borrower

Borrower 2

Monthly income$0/mo

Employment income

Annual

/yr

Other qualifying income / month

/mo

Car / auto

Credit card minimums

Personal / installment loans

Alimony / child support

Recurring BNPL / pay-over-time

Other monthly debt

Credit score rangeCash available for transaction

Optional. Only enter funds you want counted toward cash-to-close.

Combined qualifying income$0/mo

Combined monthly debts$0/mo

Use credit score in estimateOptional planning adjustment to the entered interest rate.

Assumptions

Loan assumptions

Purchase price

Desired max payment / month

Down payment

Interest rate

Type any rate; arrows move by 0.125%.Loan termHOA / month

Property tax rate

Planning estimate. Type any rate; arrows move by 0.025%.

Home insurance

Advanced assumptions

Insurance rate estimate

Used only when no monthly or annual premium is entered.

Buying power

Income / debt ceiling$0

Cash-to-close ceilingNot applied

Estimated buying power$0

Payment at buying power$0

Target-payment ceilingEnter a target

Limiting factorIncome / monthly debt

Property payment

Principal & interest$0

Property taxes$0

Homeowners insurance$200

PMI$0

HOA$0

Total housing payment$200

Conventional loan details

Effective down payment$0 · 0.0%

Base loan$0

Financed loan amount$0