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Mortgage Calculator

Punch in your numbers and Ava reads them back. We'll flag the moment you cross from healthy into stretch.

Live affordability + Ava can explain the math.

Rates updated daily

The 28% rule

A common rule says housing should stay under 28% of gross income. Healthy < 28%, stretch 28–36%, risky beyond.

20% avoids PMI

Putting 20% down on a conventional loan typically removes private mortgage insurance — often $100–$300/month saved.

APR ≠ rate

APR includes most loan fees. The interest rate alone makes loans look cheaper than they are. Always compare APR.