What you can actually afford, not what a bank might approve. This tool applies the conservative 28/36 rule and shows the opportunity cost context of your down payment.
Inputs
$120,000
$800
Include car loans, student loans, and credit card minimums. Do not include current rent.
$70,000
6.5%
1.2%
US average is around 1.1%. Check your county assessor for local rate.
$150
Enter your income and financial details to calculate affordability.
See what your down payment could grow to in a LIUV portfolio
Beyond one-time calculators, LIUV continuously optimizes your full portfolio with Buffett/Graham discipline.
Disclaimer: Based on the 28/36 qualifying guideline used by conservative lenders. Actual mortgage approval depends on credit score, lender requirements, and local market conditions. Property tax and insurance figures are estimates. Opportunity cost projection assumes 7% annual return and is not guaranteed. This tool does not constitute financial or mortgage advice.