Housing Affordability & Mortgage Stress Index (Conceptual Calculator)

Your Financial Profile

Gross Annual Household Income:

Total Monthly Debt Payments (excluding potential mortgage):

e.g., car loans, student loans, credit card minimums.

Available Savings for Down Payment & Closing Costs:

Target Property Price:

Down Payment Amount:

Down Payment (%):

Loan Amount ($):

Loan Interest Rate (Annual %):

Loan Term (Years):

Estimated Annual Property Taxes:

Estimated Annual Homeowners Insurance:

Estimated Monthly HOA Fees (if any):

Estimated Monthly PMI (if down payment < 20%):

Analysis results will appear here.

This index is based on common DTI ratio guidelines. Green (Comfortable), Yellow (Manageable), Orange (Stressed), Red (Severely Stressed).