Affordability

Affordability Calculator

Reverse-engineers a price target from your monthly housing budget. calibrated to SCC taxes, insurance, and HOA.

Gross monthly income

Other monthly debts

Target DTI

Interest Rate

Down Payment

Estimated HOA / fees (monthly)

Results

Enter a rate to see an estimate

For illustration only. Not a loan offer or rate quote. Your actual rate and payment depend on your full application.

Want this in writing?

We will email you the full breakdown with the line items, the assumptions behind the numbers, and what changes them.

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So Travis or Dewey can walk you through the numbers. No robocalls, no spam.

How are you planning to pay?

Optional. By checking this box, I provide express written consent for Sun City Center Florida, Vision Mortgage LLC, NMLS 1286953, and Top Homes Group at Keller Williams to contact me by phone, text message, and email at the number and address I provided, including through automated and AI assisted calls and prerecorded messages, about my inquiry and related real estate and mortgage services. Consent is not a condition of any purchase. Message and data rates may apply. Reply STOP to opt out at any time. See our Privacy Policy.Optional. I agree that Travis Penny (NMLS 1649161) | Vision Mortgage and Dewey Kopenga | Top Homes Group at Keller Williams may send me text messages about my home search and financing at the phone number I entered above, including marketing texts and texts sent using automated technology. Agreeing is not a condition of getting a loan or of purchasing any property, goods, or services. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or tell us by phone or email. I confirm I am 18 or older and the account holder or regular user of this number.

Travis Penny NMLS 1649161 | Vision Mortgage NMLS 1286953 | Equal Housing Opportunity

Includes your inputs. One email. No spam.

Prefer to talk it through? Call Rex, the 24 hour automated concierge, at (813) 576.3131.

Notes

◆Assumes ~$470/mo blended taxes + insurance per $325k SCC home.
◆Lenders cap DTI ~43 to 50% depending on program. 38% is a conservative comfort target.
◆Travis can pre-approve you at the actual rate and DTI for your loan program.
◆If you could pay cash for the whole purchase, run the Cash vs Mortgage Calculator at /tools/cash-vs-mortgage before you decide. Affordability is only half of the picture.
◆This is an estimate, not a quote or a commitment to lend. Mortgage broker Travis Penny, NMLS 1649161, can run real numbers for your file.

Get the real number

These are estimates. Travis runs the actual quote.

Talk to TravisTravis Penny, Mortgage Broker, NMLS 1649161Talk to Dewey