Buyer Affordability

How much home can you actually afford?

Skip the generic online calculator. This is what our brokers use before every buyer strategy call — real DTI ratios, NC property tax, and hazard insurance rates baked in.

Your Numbers

Annual household income$120,000

Monthly debt payments (cars, cards, student loans)$500

Down payment available$60,000

Loan Assumptions

Interest rate (%)6.75%

Loan term (years)30 yrs

Property tax rate (%)0.85%

Insurance rate (%)0.45%

HOA (monthly)$0

You can afford up to

•••,•••

Recommended target: •••,••• (keeps a cushion)

Est. monthly

$•,•••

Principal + interest

$•,•••

Property tax

$•••

Insurance

$•••

HOA

$•••

Loan amount

$•••,•••

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See your number + matching homes

Get your personalized price ceiling, monthly breakdown, and a curated list of active NC / SC listings in your range — hand-picked, not an auto-email.

For planning only — not a loan approval. Actual pre-qualification depends on credit, employment verification, and lender underwriting. We'll connect you with a vetted local lender for a real pre-approval when you're ready.