Affordability calculator

Affordability is more than a price range. It is payment, debts, cash to close, and comfort in one view.

Use this page to frame the affordability conversation around monthly income, monthly debts, down payment, taxes, insurance, HOA dues, and the payment that still leaves room to live.

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NC and SC licensed Your question stays attached Loan and property review

SCSouth Carolina market pages NCNorth Carolina market pages FHAPayment, MIP, repairs, and cash to close VAEntitlement, seller credits, and military timing ReviewSend the property, payment, cash to close, and timing

Your mortgage contactMatt Doby, NMLS #2115225, reviews NC and SC mortgage questions directly.

Possible deal issuesPayment, cash to close, property condition, credits, and timing reviewed together.

Clear follow-upThe page, question, and goal stay attached so Matt can respond with the right context.

Best forBuyer affordability planning

What Matt reviewsInputs, assumptions, taxes, insurance, payment, and cash

Next StepRun the estimate, then send the actual property for review

Affordability range

Build a payment and cash range before turning it into a price target

Income and debt set an outside approval range. Payment comfort, property costs, and cash left after closing determine whether that range is useful.

Annual gross income Monthly debts Comfortable housing payment Maximum total DTI % Cash available Planned down payment Interest rate % Loan term (years) Annual property taxes Annual homeowners insurance Monthly HOA dues Estimated closing costs %

Housing payment ceiling-Uses the lower of payment comfort and the selected DTI ceiling.

Estimated price range-Backed out from the payment inputs and planned down payment.

Cash left after rough costs-A negative result means the cash plan needs another look.

This is a planning range, not an approval. Taxes, insurance, mortgage insurance, credit, program rules, reserves, and underwriting can change it.

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Send the inputs Matt should verify

Matt Doby | NMLS #2115225 | NC + SC licensed

Send the property, your timeline, the payment question, and the thing that could slow the file down. That gives Matt enough context to be useful from the first reply.

Name Email Phone What should Matt review?

A few details help Ledger route your reviewWhich state is the property in?What are you trying to do?When are you hoping to move or refinance?

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No spam. No pressure. Send the details and Matt will tell you the next useful step.

What affordability should actually include

The useful number is not the highest approval. It is the payment and cash-to-close range that fits the buyer, the property, and the next chapter.

Monthly income and debt picture
Down payment and cash left after closing
Taxes, insurance, HOA dues, PMI or MIP
Program fit before shopping hard

Payment and cash-to-close control

Use the numbers as a planning view, then confirm taxes, insurance, credits, and program fit before the offer moves.

Borrower pictureCredit, income, assets, occupancy, and timing are considered together.

Property reviewCondition, price, taxes, insurance, appraisal risk, and program fit stay visible.

Clear next stepYou leave with the next document, decision, or question clearly identified.

Check the inputs behind the result

Use the calculator that matches the decision, then replace broad estimates with the property's actual taxes, insurance, dues, credits, and timing.

Loan optionsFHA, VA, USDA, conventional, construction, refinance, and investor paths. NC and SC marketsLocal mortgage guidance for city, coastal, lake, rural, and metro buyers. CalculatorsPayment, cash to close, construction, refinance, and VA planning tools. Trust standardLicensing, review standards, and what should be verified before advice matters.

What Matt checks behind the estimate

Documents and facts

Property address or target area
Price range and timeline
Income and down payment or equity
Credit concern or deal blocker

Common deal blockers

Taxes, insurance, and HOA dues
Appraisal or repair conditions
Credit, income, or reserve friction
Program timing or documentation gaps

Put the result in context

Use the matching loan and market guides to understand which assumptions can change the estimate.

Purchase calculatorTurn affordability into a purchase payment estimate. Debt-to-income calculatorCheck the debt picture before trusting the price. First-time buyer guideBring affordability back to the actual buying path. Review with MattSend the affordability scenario for a real review.

What to send when the estimate needs a real review

Send the property address, price or balance, goal, timing, and the input that needs to be verified.

Useful inputs

FHA VA Construction loans Investor / Non-QM Charleston Charlotte

Check the estimate against the real property

Review my financing options with Matt Send the property address Check payment and cash to close Ask what could slow the file down

Questions to ask about the estimate

Can I use this calculator number as a final approval?

No. Use it as a planning estimate, then verify taxes, insurance, credits, income, assets, and program rules before relying on it.

What should I send after using the calculator?

Send the property price or address, down payment or equity, estimated taxes and insurance, credit concern, and timeline.

Why can the real payment differ from the estimate?

Taxes, insurance, HOA dues, mortgage insurance, credits, lock timing, and underwriting conditions can all change the final number.

Educational information only. Not a loan approval, rate quote, or commitment to lend. Final approval depends on borrower, property, program, pricing, and underwriting review.