⚠️ Disclaimer: This tool provides informational analysis only. Not licensed investment, tax, legal, or real estate advice. Consult professionals.
Calculation Assumptions
- Uses 28% debt-to-income ratio for housing expenses
- Includes principal, interest, taxes, and insurance (PITI)
- Property taxes estimated at 1.2% annually
- Home insurance estimated at 0.5% annually
- PMI estimated at 0.5% if down payment < 20%
- 30-year fixed-rate mortgage
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