michele stewart Realtor


Our calculators will help you determine loan amounts, mortgage qualification, affordability or whether you should be renting or buying.

Complete the fields below and click Calculate Now. To view the results of each calculation, click on the various tabs.  To email yourself a copy of the results, click the Receive this Detailed Analysis link.

Required Fields
Estimate Insurance to of Cost
Estimate Tax to of Cost
Optional Fields
Receive Detailed Analysis  Receive this Detailed Analysis

Your Monthly Payments
Loan Amount:
Loan Insurance (%):
Total Loan (Mortgage) Amount:
Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance (%):
Total Monthly Payment:
Income Needed to Qualify for the Mortgage
Total Monthly Loan Payment:
Total Monthly Debt Payment:
Monthly Loan Insurance (%):
Qualifying Income of % GDS Ratio:
Qualifying Income of % TDS Ratio:
What You Can Afford
We are using the % ratio.
Cost of House:
Down Payment:
Loan Value:
Monthly Principal & Interest:
Monthly Insurance:
Monthly Property Tax:
Monthly Condo Fees:
Cost of House = [(Monthly income x Debt Ratio) –
monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %

For more Information About Your Borrowing Power CALL Today !!!

This helpful calculator will let you see what your monthly payments will be for any home you are considering. It is important that you know the accurate annual real estate taxes for the home. Simply enter the appropriate information for the home you are buying and hit the TAB or Calculate Now buttons to see the payment. If you do not have a home selected yet, feel free to change the terms and compare different scenarios. If you are putting less than 20% down, you may have to pay monthly mortgage insurance and we have included this in the estimate. ** Mortgage insurance is estimated. Depending on your credit score, you may have to pay a higher rate. Please feel free to contact me with any questions you may have.

Office: 215-638-4880 ext.218
Direct: 215-771-4242

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