Buying Power

Where you stand, clearly.

Based on your verified income, assets, and credit — here's what you can confidently buy today.

Compare Scenarios

Your Buying Power Range

Price zones based on your verified financial profile

Your target home

$685,000

$685K

$450K – $600K

$600K – $720K

$720K – $820K

Comfortable

$4,200/mo

$450K – $600K

Under 22% income ratio

YOUR TARGET

Recommended

$5,522/mo

$600K – $720K

At 28% housing ratio

Ceiling

$6,200/mo

$720K – $820K

Near DTI limits

Payment Comfort

Housing Expense Ratio28%
Great (0–28%)
OK (28–36%)
Risk (36%+)
At $685K target28%
SC
Sarah Chen·Your Mortgage Advisor
Right at the recommended 28% limit — strong position with buffer before conventional DTI ceiling.

Monthly Breakdown

At your $685K target · 10% down · 6.625%

$5,522/mo

Principal & Interest$3,948

71%

Property Taxes$1,142

21%

Insurance$175

3%

PMI$257

5%

Stress Test

Rate +1%

+1% rate increase

$5,937/mo

MEDIUM

Taxes +20%

Property taxes rise 20%

$5,750/mo

LOW

Insurance +30%

Insurance premium up 30%

$5,575/mo

LOW

Combo Stress

All three scenarios

$6,218/mo

HIGH

Financially Aligned Homes

In your $550K–$720K comfort zone

2847 Waverly Hills Drive

$685,000

2847 Waverly Hills Drive

4bd3ba2,480sf
Financially aligned
3311 Oak Hollow Lane

$595,000

3311 Oak Hollow Lane

4bd3.5ba2,900sf
Financially aligned
612 Lamar Heights Blvd

$720,000

612 Lamar Heights Blvd

5bd4ba3,200sf
Financially aligned

Ready to compare mortgage strategies?

See three side-by-side scenarios optimized for your financial profile.

Scenario Studio