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Estimate a monthly payment and see what you may afford.

$
$
%
%
Enter the rate you were quoted or want to test. Ask us for current rates.
Taxes, insurance, and other costs
$/yr
$/yr
$/yr
If the property needs flood insurance, add the yearly premium here.
$/mo
%/yr
Often applies with less than 20% down. Enter an estimate to include it.
$/mo

This calculator provides estimates for illustration only. It is not a loan offer or a commitment to lend. Your actual payment depends on your rate, loan program, taxes, insurance, and other terms.

Your finances

$
Before taxes. Include everyone who will be on the loan.
$/mo
Car, student loans, minimum credit card payments, and other loans.
$
%
Enter the rate you were quoted or want to test. Ask us for current rates.
Taxes, insurance, and other costs
% of price/yr
Leave blank if unsure. Including it gives a more realistic estimate.
$/yr
$/mo
%/yr
Often applies with less than 20% down.

Your situation

How will you use the property?
Are you a veteran, active-duty service member, or surviving spouse?
Are you self-employed?
Will this be your first home?
Is the property in a rural or small-town area?

This is an educational estimate, not a pre-approval, loan offer, or commitment to lend. Estimates use general debt-to-income guidelines (28% of income for housing and 36% for total debt for the comfortable figure, 43% total for the upper figure). Actual qualification depends on a full application, credit review, verification of income and assets, the property, and lender guidelines. Loan types listed are possibilities to discuss, not approvals. Secure Step Mortgage is not affiliated with or acting on behalf of HUD, FHA, VA, USDA, or any other government agency.

Ready for real numbers?

Calculators give you a starting point. We'll review your full situation and walk you through the options that fit.

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