Comfort Calculator | HomeWealth Solutions

Quick reference only — not a pre-approval. Taxes and insurance are estimates. Actual payment will vary by lender, loan program, and property.

Inputs

Annual Gross Income ($)

Monthly Gross Income ($)

Monthly Non-Housing Debt ($)

Comfortable Monthly Payment ($)

Down Payment ($)

Total Cash Available

Closing costs included?

Interest Rate (%)

Loan Term (Years)

Annual Property Taxes ($) default

Annual Homeowners Insurance ($) default

Monthly HOA ($)

PMI Rate (% of loan / yr) default

DTI Limit

Quick-select or enter any value — all calculations update dynamically

Blank fields need your input. Green "default" fields are pre-filled with FL averages — edit as needed.

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Comfort Purchase Price

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Max Qualifying Price

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Total DTI

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Gross Monthly Income

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Max Housing Payment (DTI)

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DTI at Comfort Payment

Monthly Payment Breakdown — Comfort Price

Principal & Interest	—
Property Taxes	—
Homeowners Insurance	—
HOA	—
PMI	—
Total Est. Payment	—

Loan Summary

Comfort-Based Loan	—
Comfort Purchase Price	—
Max Qualifying Loan	—
Max Purchase Price	—
Recommended Starting Price	—

Down Payment Impact — per $10,000 Additional

Additional Down	New Down Total	New Loan	Payment Change	New Est. Payment

Rate Sensitivity — Effect of ±0.25% Rate Change

Rate	Monthly P&I	vs Current Rate	Total Est. Payment

Budget Ranges — Purchasing Zones

Back-calculated from income, obligations, and rate. Each zone shows the max home price at that DTI threshold.

Zone	DTI	Max Home Price	Monthly P&I	Est. Monthly PITI
Enter inputs above to see ranges

Inputs are pulled automatically from the Comfort Calculator tab. Use the Offer Strategy card to compare negotiation paths, then drill into the detail cards below.

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Comfort Loan

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Note Rate

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Term (Years)

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Current Total Pmt / mo

⚖️ Offer Strategy — Lower Price vs. Seller Concession for Rate Buydown

Seller has $X to contribute — is the buyer better off with a lower purchase price, or keeping the full price and using that money as a concession toward a rate buydown?

Seller Contribution ($)

Rate reduction per point assumption

% per point

1 pt = 1% of loan · typical: 0.25%

Estimated buydown rate

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Enter contribution above

Override rate:

PATH 1 — Lower Offer

Buyer offers less. Same rate, smaller loan, more equity day one.

New Purchase Price—

New Loan Amount—

PMI Status—

New Total Payment—

Monthly Savings—

PATH 2 — Seller Concession → Rate Buydown

Full asking price. Seller funds the buydown at closing.

Points Purchased—

Buydown Rate—

New P&I—

PMI Status—

New Total Payment—

Monthly Savings—

Enter a seller contribution and buydown rate above to compare

Option A — Rate Buydown Detail

Cost of Buydown ($)

Bought-Down Rate (%)

New P&I at Bought-Down Rate—

New Total Payment—

Monthly Savings vs. Current—

Upfront Cost—

Break-Even (months)—

Break-Even (years)—

Option B — Price Drop

Price Reduction ($)

Seller reduces purchase price — buyer builds equity faster, smaller loan

New Purchase Price—

New Loan Amount—

PMI Status—

New Total Payment—

Monthly Savings vs. Current—

Price Reduction—

Break-Even (months)—

Break-Even (years)—

Option C — Extra Down Payment (Reference)

Extra Down Payment ($)

Buyer brings additional cash at closing — shows payment impact of extra down vs. buydown

New Loan Amount—

PMI Status—

New Total Payment—

Monthly Savings vs. Current—

Upfront Cost—

Break-Even (months)—

Break-Even (years)—

Cumulative Savings Over Time vs. Keeping Current Payment

Year	A: Buydown	▸	B: Price Drop	▸	C: Extra Down	▸	Winner

Quick reference only — not a pre-approval. Buydown savings assume you keep the loan for the full period shown. Actual results will vary based on lender pricing, PMI removal, and early payoff scenarios.