Affordability calculator
Built for how people here are actually paid: base salary, bonus history and a two year average of vested equity, all counted separately.
Show as a table
| Rate | Price | Loan | Payment |
|---|---|---|---|
| 4.00% | $2,812,627 | $2,412,627 | $15,633 |
| 4.25% | $2,757,682 | $2,357,682 | $15,633 |
| 4.50% | $2,704,404 | $2,304,404 | $15,633 |
| 4.75% | $2,652,749 | $2,252,749 | $15,633 |
| 5.00% | $2,602,675 | $2,202,675 | $15,633 |
| 5.25% | $2,554,136 | $2,154,136 | $15,633 |
| 5.50% | $2,507,090 | $2,107,090 | $15,633 |
| 5.75% | $2,461,494 | $2,061,494 | $15,633 |
| 6.00% | $2,417,305 | $2,017,305 | $15,633 |
| 6.25% | $2,374,480 | $1,974,480 | $15,633 |
| 6.50% | $2,332,979 | $1,932,979 | $15,633 |
| 6.75% | $2,292,758 | $1,892,758 | $15,633 |
| 7.00% | $2,253,779 | $1,853,779 | $15,633 |
| 7.25% | $2,216,001 | $1,816,001 | $15,633 |
| 7.50% | $2,179,386 | $1,779,386 | $15,633 |
| 7.75% | $2,143,896 | $1,743,896 | $15,633 |
| 8.00% | $2,109,493 | $1,709,493 | $15,633 |
| 8.25% | $2,076,142 | $1,676,142 | $15,633 |
| 8.50% | $2,043,806 | $1,643,806 | $15,633 |
| 8.75% | $2,012,453 | $1,612,453 | $15,633 |
| 9.00% | $1,982,048 | $1,582,048 | $15,633 |
Income an underwriter counts
Per month, each source counted separatelyWhere the price comes from
Your cash plus the loan your income supportsBy debt to income ceiling
The same household at 36%, 43% and 50%Estimates only. Includes principal, interest, property tax, insurance, HOA and PMI below 20% down. Jumbo files also need reserves, and the ratio an underwriter accepts depends on credit and assets. Sample math for illustration, not a loan offer.
How to read this
Four assumptions behind the number.
Equity income is entered as the two year average an underwriter would use, not this year's grant value or today's share price.
Debt to income is the lever most people do not know they can move. 43% is the common jumbo ceiling, 49.99% is possible on some files with strong reserves.
The result assumes the same 1.25% sample tax rate and $180 insurance used in the payment calculator.
Cash to close is roughly your down payment plus 1.5% to 2% of the price. Reserves come on top of that on jumbo files.
Have a price already? Use the monthly payment calculator. Curious how equity income is counted? Read the RSU program page.
Turn this into a real number
Bring the scenario to a call and we will check it against live pricing and actual guidelines.
Sample figures across this site are illustrations, not quotes. Equal Housing Opportunity.