Mortgage Toolkit

Max Price — $0

Initial Monthly — $0

Loan — $0

Cash to Close — $0

Global After-tax view (CA) Link affordability inputs to amortization inputs

Decision Inputs Gross monthly income ($) Liquid cash reserves ($)

Affordability Inputs Max monthly budget ($) Down payment ($)

Term (years)

Base rate (%)

Rate min (%)

Rate max (%)

Property tax rate (%)

Extra tax rate (Mello-Roos) %

Fixed assessments ($/yr)

Insurance ($/yr)

HOA ($/mo)

PMI %/yr (auto cancels ≤80% LTV)

Points % (upfront)

Rate buydown (bps)

Affordability uses initial-month PMI (if LTV ≥ 80%) and constrains total PITI + HOA + assessments + PMI ≤ budget.

Amortization Inputs

Purchase price ($) Down payment ($)

Rate (%)

Term (years)

Payment cadence

Taxes / Insurance / HOA (amortization)

Property tax rate (%)

Extra tax rate %

Fixed assessments ($/yr)

Insurance ($/yr)

HOA ($/mo)

PMI %/yr

Tax step-up %/yr

HOA step-up %/yr

Extra principal

Monthly extra ($)

Annual extra ($)

Annual extra month (1-12)

One-time extra ($)

One-time extra month (1-N)

Decision Insights

Absolute $ (otherwise % stacked)

Month	Year	Payment	Principal	Interest	PMI	Taxes	Insurance	HOA	Assess	Extra	End Balance