Run the numbers, your way
Estimate a monthly payment, a comfortable price range, or a rental’s DSCR. You enter every input, including the interest rate. Nothing you type is saved or sent.
Monthly payment (PITI)
Principal, interest, taxes and insurance, plus HOA, flood and mortgage insurance if they apply.
How much home can I afford?
Works backward from your income, debts and the debt-to-income limits you enter.
DSCR (rental) calculator
Debt service coverage ratio = monthly rent ÷ monthly payment (principal, interest, taxes, insurance and HOA).
Minimum ratios, reserves and other requirements vary by program.
South Florida tip: insurance
Homeowners, condo (HO-6) and flood insurance can make a big difference here. Get real quotes before you settle on a budget.
Condo? Add the dues
HOA dues and any special assessments affect what you can afford. See the Condo Hub.
Looking for help with the down payment?
Use the DPA Lookup to see programs to ask about.
Want a real quote?
Calculators are a starting point. I'll walk you through actual numbers for your situation.
Get Pre-Approved opens my secure online application portal in a new tab. Or get a custom quote first.
Call or text 954-990-3163 · Office 561-266-2621 · brittanny.ferguson@libertyml.com