Mortgage Estimator

Adjust purchase assumptions, carrying costs, and extra payments to estimate monthly cost, total interest, and payoff timing.

Estimated monthly payment after tax savings

$0

Pre-approval --
Loan amount $0
Mortgage down $0
Parent outlay $0
Closing costs $0
Total interest $0
Personal outlay $0
Mortgage payoff 0 yr
Parent payoff 0 yr
Total tax paid $0
Payroll+benefits /mo $0
Take-home /mo buy $0
Take-home /mo rent $0
Housing spend $0
Leftover /mo buy $0
Leftover /mo rent $0
Buy beats rent --

Monthly Breakdown

Buy Position vs Rent Investment

Rent Comparison

Buy position after tax $0
Rent investment after tax $0
Difference $0
Initial invested cash $0
Year Buy position
after tax		 Rent investment
after tax		 Gap Buy eff
/mo		 Buy housing+inv
% take-home		 Rent
/mo		 Rent housing+inv
% take-home		 Rent invested
/mo		 Buy invested
/mo

Yearly Snapshot

First 10 years
Year Avg payment Tax saved
/mo		 Effective
net avg		 Cash left
/mo		 Principal Interest Parent bal. Net equity

This estimate is for planning only. Tax savings compare standard deduction vs homeowner itemized deductions using 2026 federal rates and the latest 2025 California FTB rates; it models mortgage interest, property tax, federal SALT, and PMI where selected. Duplexes are modeled as owner-occupied with one personal unit and the remaining units rented; the homeowner mortgage-interest cap is applied after the owner-occupied allocation. Rental income, allocated rental expenses, extra rental operating expenses, 27.5-year residential depreciation on an assumed 80% building basis, passive-loss limits, stock gain tax on liquidation, and an approximate rental-side duplex sale gain/recapture tax are included. Take-home estimates subtract Social Security, Medicare, California SDI, and pre-tax monthly medical/benefit deductions, but do not model credits, AMT, exact withholding, retirement deductions, suspended passive-loss carryforwards, cost segregation, primary-residence gain above the exclusion, or advisor-specific tax treatment.

Estimated max purchase price

$0

Max loan $0
Allowed housing /mo $0
Qualifying income /mo $0
Cash to close + reserves $0
Standard loan cap $0
Limiting factor --

Qualification Breakdown

Item Monthly Notes

This is a planning estimate, not lender approval. Actual qualification can change based on credit score, reserves, property type, documentation, loan program, compensating factors, and lender overlays.