Calculadora de Acessibilidade Hipotecaria

Estima o preco maximo e o financiamento com base em renda, dividas, entrada e DTI. Inclui impostos e seguro para uma parcela realista.

Annual Gross Income

Monthly Debt Payments

Car loans, credit cards, student loans, etc.

Down Payment

Interest Rate (%)

Loan Term (years)

Max Debt-to-Income Ratio (%)

Most lenders use 43% max DTI

Advanced Settings

Property Tax Rate (%/year)

US average is ~1.1%. Varies widely by state (0.3% in Hawaii to 2.2% in New Jersey).

Homeowner's Insurance Rate (%/year)

Typically 0.3% to 1.0% of home value per year.

PMI Rate (%/year)Applied when down payment < 20%

Private mortgage insurance, typically 0.3% to 1.5% of loan amount per year.

HOA Fees ($/month)

Homeowner association monthly dues, if applicable.

Front-End DTI Limit (%)

Max housing-only DTI. Most lenders use 28%. The back-end DTI above includes all debts.

Por que este metodo

Bancos usam o DTI: (Dividas + Moradia) / Renda mensal.

Impostos e seguro deixam a parcela mais realista.