TrueAfford住房负担能力计算器
一套房子每个月实际会花掉你多少钱
房贷月供并不是拥有一套房子的全部成本。这个计算器在本金、利息、税费、保险和PMI之上，加上了几乎每个人都会忘记的一项——维护储备金，让你看到的数字就是你实际要支付的数字。
Your result
Comfortable — up to $267,424
A lender would likely approve up to
$335,507
You can actually sustain up to
$462,699
Your budget can support at least as much as a lender's generous debt-to-income ceiling — the DTI limit isn't what's holding you back here.
Monthly cost at $267,424
- Principal & interest
- $1,495
- Property tax
- $363
- Homeowner's insurance
- $319
- PMI (drops at month 79)
- $63
- HOA dues
- $0
- Lender-counted payment (P&I + tax + insurance + PMI + HOA)
- $2,240
- Maintenance reserve (1%/yr) ?
- $223
- True monthly cost
- $2,463
Left over each month after this payment, other debts, and real-life expenses
$2,037
What's driving this
- Your $1,300/mo in childcare, healthcare, groceries, and other real-life expenses doesn't affect what a lender will approve, but it directly reduces what's left over each month.
- Texas property tax at 1.63% is costing you roughly $141/mo more than the national average would suggest.
- Homeowner's insurance in Texas is costing you roughly $141/mo more than the national average would suggest.
What would change this ?
Interest rate ±1 point
$284,431 · $267,424 · $253,639
Max affordable price a point lower, at today's rate, and a point higher.
If income dropped 20%
Comfortable → Risky
At $6,400/mo gross, holding this home price constant.
If adding a child
Comfortable → Comfortable
Assumes +$1,200/mo in childcare, a national-average illustrative figure.
With $20,000 more down
$2,463 → $2,269/mo
PMI: $63 → $0/mo
常见问题
为什么会有一项我没要求的维护费用？
因为这是拥有一套房子真实且无法回避的成本，而大多数计算器都悄悄把它去掉，好让数字看起来更小。这个计算器默认按房屋价值的1%每年计入预算——屋顶、热水器和暖通空调系统坏掉的时候，可不会挑一个方便的时机。
PMI什么时候会取消？
只要首付低于20%，就需要缴纳私人房贷保险。根据联邦法律，一旦贷款余额摊销到房屋原始价值的78%，PMI就会自动取消——这个计算器会直接展示这一确切发生的月份，而不是假装PMI是永久成本，也不是假装它根本不存在。
15年期还是30年期更划算？
15年期的利率更低，积累房屋净值的速度也快得多，但在相同贷款金额下，月供明显更高。在计算器中切换贷款期限，就能看到针对你具体数字的月供和总成本差异。
如果我首付不到20%会怎样？
你需要一直缴纳PMI，直到贷款价值比降到78%以下——这个计算器会把它作为月度明细中单独的一项列出来，同时还会告诉你需要额外增加多少首付才能完全跳过它。
在买房之前，我需要多少住房负担能力？
在你买房之前，先在这里核算你的数字，而不是等到放贷方的柜台前才算。住房负担能力不仅仅是放贷方会批准的价格——它是在计入税费、保险、PMI和维护费用之后，你的预算仍然留有余地的那个价格。这个计算器会同时展示两个数字，让你用自己的数字去谈判，而不是对方的数字。