SIAN SINCLAIR
The Key To Your Next Home Home.
OFFICE:
404-419-3500
CONTACT US:
404-903-5783
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Real Estate Financial Calculators
Use our financial calculators to determine how much mortgage you can comfortably manage, what amount you qualify for, or decide if the time is right to buy or to continue renting. When you enter your information in the fields below and click on -
Calculate Now
- you will see your calculated answers in each tab. You can send yourself an email copy of your new calculations when you click on -
Receive this Detailed Analysis
link.
Required Fields
Required
Must be a number between 1 and 50
Term In Years:
Required
Must be a number between 1 and 100
Interest Rate:
%
Required
Must be a positive number. Maximum of 2 decimal places.
Cost of Home:
$
Required
Must be a positive number. Maximum of 2 decimal places.
Cannot be more than Cost of Home
Down Payment:
$
Required
Must be a positive number. Maximum of 2 decimal places.
Annual Insurance:
$
Estimate Insurance to
0.43%
of Cost
Required
Must be a positive number. Maximum of 2 decimal places.
Annual Property Tax:
$
Estimate Tax to
1.2%
of Cost
Required
Must be a positive number. Maximum of 2 decimal places.
Monthly Income:
$
Required
Must be a positive number. Maximum of 2 decimal places.
Monthly Debt:
$
Optional Fields
Gross Debt Service Ratio (GDS):
28%
29%
30%
31%
32%
33%
34%
35%
36%
37%
38%
39%
40%
41%
42%
43%
44%
45%
46%
47%
48%
49%
50%
51%
52%
53%
54%
55%
56%
57%
58%
59%
60%
61%
62%
63%
64%
65%
66%
67%
68%
69%
70%
Total Debt Service Ratio (TDS):
36%
37%
38%
39%
40%
41%
42%
43%
44%
45%
46%
47%
48%
49%
50%
51%
52%
53%
54%
55%
56%
57%
58%
59%
60%
61%
62%
63%
64%
65%
66%
67%
68%
69%
70%
Condos Fees:
$
Must be a positive number. Maximum of 2 decimal places.
Results
Receive this Detailed Analysis
Mortgage
Qualification
Affordability
Rent vs Buy
Your Monthly Payments
Loan Amount:
Loan Insurance (
%):
Total Loan (Mortgage) Amount:
Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance
(
%)
:
Total Monthly Payment:
Income Needed to Qualify for the Mortgage
Total Monthly Loan Payment:
Total Monthly Debt Payment:
Monthly Loan Insurance (
%):
Qualifying Income of
% GDS Ratio:
Qualifying Income of
% TDS Ratio:
What You Can Afford
We are using the
% ratio.
Cost of House:
Down Payment:
Loan Value:
Monthly Principal & Interest:
Monthly Insurance:
Monthly Property Tax:
Monthly Condo Fees:
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Renting
Monthly Rent:
$
Required
Must be a positive number
Annual Rental Increases:
Required
Invalid
%
Monthly Renter Insurance:
$
Required
Invalid
Savings or Investment Rate:
Required
Invalid
%
Owning
Planned # of years in home:
Required
Invalid
Yearly appreciation of the home:
Required
Invalid
%
Annual home maintenance:
Required
Invalid
%
Sian Sinclair
REALTOR
Constact Us
404-903-5783
Office
404-419-3500
804 Town Blvd Suite A2040
Atlanta, GA 30319