The journey to owning your dream home starts here, right now. With our mortgage calculator, you can find out exactly what you can afford, letting you search for homes within your budget confidently.
We’re here to turn your homebuying aspirations into reality. Unlock your path to homeownership.
This isn’t just another mortgage calculator. It’s your personalized guide for making the smartest homebuying choices.
With the help of our mortgage affordability calculator, you’ll have a clear picture of your financial landscape, giving you the power to make informed decisions.
DSLD Mortgage’s mortgage calculator can help you determine how much you can afford for a mortgage payment per your budget. The calculator takes into account 10 homeownership factors and reveals how they affect you mortgage payments. The calculator also shows how changing a factor, like interest rate, can lower your monthly mortgage payment.
When using DSLD Mortgage’s mortgage calculator, you decide the home price you can afford and the mortgage term, and see the total amount of principal and interest you pay during repayment. To evaluate and estimate your homeownership costs, you need to get accurate information about the factors below.
Input the home price you can afford or the loan amount you want in this box.
In this box, input the dollar amount for the down payment you plan to make or a percentage of the home price.
Enter the interest rate offered by your lender. You can also check our current mortgage rate report.
Input your desired loan length here. Loan terms are typically 10, 15, 20, or 30 years.
The month after you close your loan will be your start date.
Input the average property tax or your state in the property tax line.
This is the monthly amount for private mortgage insurance. Use 1% for an average.
Use an average of $150 a month or input your estimated monthly home insurance costs.
If your property is within a homeowners association, you may need to pay a monthly or annual fee. If you know that amount, enter it here.
Principle, interest, property taxes, home insurance costs, and HOA fees (if any) are included in your monthly payment.
DISCLAIMER: Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. Lender does not guarantee the accuracy of any information or inputs by users of the software. This calculator does not have the ability to pre-qualify you for any loan program which should be verified independently with one of our Mortgage Loan Originators.
Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice.
Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. Lender does not guarantee information obtained by this calculator.
Owning a home is a dream we help bring to life every day. You probably have a lot of questions, and that’s a good thing!
Here are the answers to some of the most frequently asked questions we get, designed to make your path to homeownership as smooth as possible.
We offer an array of loan options to match your unique financial and life circumstances. Our offerings include FHA Loans for those with limited down payment capabilities, VA Loans for our brave veterans and their spouses, Conventional Loans, and Rural Development Loans to encourage homeownership in less populated areas.
Each loan type has its own set of advantages tailored to different needs. If you’d like to delve into which loan might suit you best, feel free to request a callback. You could start your homebuying journey with a brief loan consultation with one of our expert advisors.
We take immense pride in serving those who have served our country. VA Loans are exclusively for veterans, active-duty service members, and their qualifying spouses. These loans offer incredible benefits such as zero down payment and no private mortgage insurance (PMI).
The approval process is also streamlined for quicker access to funds. To get started with your VA loan application, download the DSLD app and access all the resources you need to make an informed decision.
Rural Development Loans are special loans backed by the United States Department of Agriculture (USDA). These are designed for potential homeowners interested in rural and some suburban areas.
One of the key benefits is 100% financing, which means no down payment is required. These loans are a wonderful way to make homeownership accessible and affordable if you prefer a rural setting.
Curious if a Rural Development Loan could be the key to your dream home? Request a callback from one of our experts to discuss your options in detail.
Knowing how much you can afford to spend on a house is essential before you start your home search. Our “How Much House Can I Afford Calculator” is more than just a tool — it’s your first step in financially responsible homeownership.
Input some basic information and get an estimate that will make your home search more targeted and less stressful. For a more hands-on experience, download the DSLD app and have our mortgage affordability calculator at your fingertips whenever inspiration strikes.
The true testament to our service isn’t just our professional team.
It’s the stories of the countless veterans and their families who’ve trusted us with their dreams.
"Sophia and Janna were amazing through this whole process. I would like to thank you ladies SO much for being so patient and making our dreams come true!"
"All of the staff over at DSLD made the entire process seamless from beginning to end. We could not recommend them more. We are extremely thankful for their help in acquiring our new home."
"Dana was an absolute dream to work with! We couldn't have been luckier for our file to come across her desk. Our entire loan process was made so easy. I felt informed, listened to, and like my questions and opinions really held weight. Thanks so much, Dana!"
"Sarah and DeNeice were amazing to work with. They made the process enjoyable. We really appreciate the DSLD staff for helping us purchase our forever home!"
"Honi was absolutely wonderful in the home buying process. She made this process so easy and fun. She was so helpful with all of our questions also. I can't thank her enough for allowing this process to be smooth sailing."
