Disclaimer

Educational purposes only

All calculators, content, and figures on HomeAffordability.io are provided for general informational and educational purposes only. They are not intended as, and should not be interpreted as, financial, legal, tax, or investment advice, or as a loan quote, pre-qualification, pre-approval, or offer of credit of any kind.

Not a lender or advisor

HomeAffordability.io is not a mortgage lender, mortgage broker, bank, credit union, real estate brokerage, or licensed financial advisor. We do not originate loans, accept loan applications, or provide personalized financial recommendations. Loan qualification, interest rates, mortgage insurance premiums, taxes, and closing costs are determined by individual lenders, insurers, and government agencies and vary based on your credit profile, location, loan program, and market conditions at the time you apply.

Estimates only

Our calculators use simplified, publicly documented formulas (such as standard loan amortization math and common front-end/back-end debt-to-income thresholds) and typical industry ranges for costs like PMI, closing costs, and mortgage insurance. Actual costs you are offered by a lender may differ significantly from the estimates shown here. FHA and VA program figures (mortgage insurance premiums, funding fees, down payment minimums) reflect commonly published program guidelines at the time of writing and are subject to change by the relevant government agencies.

No guarantee of results

We make reasonable efforts to keep our calculators accurate and our content up to date, but we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or availability of the Site or the information, calculators, or related content. Any reliance you place on such information is strictly at your own risk.

Consult a professional

Before making any decision about buying, selling, refinancing, or financing a home, we strongly recommend consulting a licensed mortgage professional, financial advisor, tax professional, or attorney who can evaluate your complete financial situation.

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If you believe any information on this Site is inaccurate, please let us know via our Contact page.