When The Hell Can We Afford?

This tool helps you plan for your next home purchase by estimating how much you could afford, what your new monthly payments might look like, and how the numbers compare to your current situation. Enter your details below to see a live breakdown of the costs and proceeds.
Pro Tip
Want to share or bookmark a scenario? You can use URL parameters to pre-fill values on this page.
Show advanced: URL parameters for each input
  • currentHouseValue — Current House Value
  • currentMortgageBalance — Current Mortgage Balance
  • sellersFee — Seller Fee (%)
  • currentMonthlyPayment — Current Monthly Payment (mortgage, HOA, storage unit)
  • currentIncome — Household Income (Annual)
  • newHousePrice — New House Price
  • interestRate — Interest Rate (%)
  • closingCosts — Buyer Closing Costs ($)
  • additionalAmount — Additional Cash ($)
  • taxRate — Property Tax Rate (%)
  • annualInsurance — Annual Insurance ($)
For example, you can share a link like:
?newHousePrice=800000&interestRate=7.2&currentIncome=250000
All Inputs
Final Monthly Payment (PITI)
$0
Difference vs Current Payment
$0

Monthly Payment Breakdown
P&I
$2,224.25
Taxes / mo
$849.38
Insurance / mo
$218.33
New Loan Amount (incl. closing costs)
$0
Net Proceeds From Sale
$0
Final Monthly Payment (PITI)
$0
Difference vs Current Payment
$0