Affordability Calculator What Loan Amount Can You Afford? Monthly Gross Income Co-Borrower Monthly Gross Income Outstanding debt payments per month (includes credit card payments, car payments, student loans, etc.) NOTE: DO NOT include current Rent or Mortgage payments. Estimated Monthly Real Estate Taxes Estimated Monthly Insurance Mortgage Interest Rate Term (in years) What You Can Afford The estimated monthly taxes and insurance are averages. If you know exactly what those numbers are or will be for you, please enter them. Affordability calculator - The calculated value is based on a maximum rate of 28% of gross monthly income and represents total monthly housing payment including principal, interest, property taxes, homeowners insurance, mortgage insurance, and related costs.