Home & Car

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Purchase price

Down payment ($)

Quoted interest rate (APR)

Loan term (years)

Sensible Orange County defaults are filled in. Edit any you know for your situation.

Property tax rate (annual %)

Insurance (annual % of price)

HOA dues (monthly $)

PMI rate (annual %)

Maintenance (annual % of value)

Utilities (monthly $)

Closing costs (% of price)

Move-in / setup ($)

Cash reserve (months)

Lender housing ratio

Cash you have available ($)

Saving toward this each month ($)

Extra principal per month ($)

Your gross monthly income ($)

Your Monthly Payment

Principal & interest$4,929

Property taxes$855

Homeowner's insurance$277

HOA dues$0

Mortgage insurance (PMI)$0

PITI + PMI + HOA (the lender number)$6,061

Maintenance set-aside$792

Utilities$300

Total monthly cost of the home$7,153

Cash to Buy Safely

Down payment (20%)$190,000

Closing costs$28,500

Move-in / setup$4,000

Cash to get in the door$222,500

Cash reserve (6 months)$42,919

Total required cash (with reserves)$265,419

Cash you have$280,000

Surplus / (shortfall)$14,581

Saving toward this each month$2,000

Time until you are readyReady to buy now

What Income You'd Need

PITI + PMI + HOA (monthly)$6,061

Required monthly income$15,154

Required annual income$181,843

Loan-to-value (LTV)80%

Total interest over the loan$1,014,564

What You Can Afford

Down payment used20%

Based on your income$626,915

Based on your cash$1,003,357

A home you can buy well$626,915

The Rule of Thumb

Set an Extra principal per month in the assumptions and we will show the time and interest you would save. Even $100 a month moves the needle.

Sensible Orange County defaults are filled in. Edit any you know for your situation.

Everything on this site is educational. Nothing here is financial, legal, or tax advice, and the calculators produce estimates only. Talk to a licensed professional before making financial decisions. © 2026 Kindred Oak.