Please read this.This is an estimate.

For your final, accurate numbers, always talk to a loan officer. They go through your pre-approval application: your income, your down payment, your debts and all the fine details.

Now let's play with the numbers. Feel free to move anything and find the best-case scenario for you.

I want my monthly payment to be no more than I want my monthly payment to be no more than

$1,000$12,000

Or tap one. Under each: the price it reaches.

All in. Principal, interest, property tax, insurance, mortgage insurance and HOA.

My down payment is My down payment is

$0$500,000

Or as a share of the price

Search for homes up to

$449,000

Your monthly payment, all in

This is just a rough estimate. Tax, insurance and HOA here are averages, not the final number. It could be less, it could be more. To get the final number, put in the right information from the listing you find.

WhatsApp Ahmed · $449,000

Let's talk. Tap the logo. Ahmed Makkiyah, REALTOR® Your Trusted Realtor in Northern Virginia (NOVA). 734.383.6945

The house you found

Priced above your ceiling? Slide to its price and see what it takes.

Its price

$1,000

Its price

$100,000$1,500,000

Tax, insurance and HOA

Averages to start with. Put in the listing's real numbers when you have them.

This is just a rough estimate. The three numbers below are averages. It could be less, it could be more. Found a listing? Slide each one, or punch in its real tax, insurance and HOA, to get the final number.

$0$20,000

Or tap a yearly rate

$0$6,000

Or tap a monthly amount

What kind of home?

$0$600

Or tap a monthly fee

Where to find the real numbers

Listing address

Get exact numbers from Ahmed Look it up on Zillow

Ahmed pulls the exact tax, HOA and condo fee straight from the MLS listing. Zillow shows last year's tax bill and the HOA fee on the listing page, but its insurance figure is only its own estimate.

Interest rate

Interest rate, 30-year fixed

You can sometimes buy a lower rate.

Rate feels too high? Shop around.

As your agent, Ahmed always advises shopping around when the rate feels too high. Two to three lenders is usually the right number. More than that is overkill, and too many credit checks might hurt your credit score. Get your quotes within about two weeks of each other, so the credit checks are treated as one.

What recent Virginia home loans look like³

First-time buyer

There is help. Ask about it.

Virginia and several Northern Virginia counties run first-time homebuyer programs and down payment assistance. Which ones fit depends on your income, the price and where you buy. Ask Ahmed about first-time homebuyers, and he will tell you what you may qualify for and who to talk to.

The pre-approval

This ceiling is a model built on a national average rate. A lender's pre-approval is the real number: your rate, your loan type, your ceiling in writing. Sellers here expect that letter with the offer. Ahmed walks you through it and introduces local lenders.

Buying Power Calculator

Please read this.This is an estimate.

The house you found

Tax, insurance and HOA

Interest rate

First-time buyer

Against the market

Notes

Before you buy: 4 things lenders tell every buyer

The pre-approval

Thinking of selling