Reverse Buyer Calculator
Start With the Monthly Budget and Work Backward
This calculator helps answer the real question buyers often ask first: “If I only want to spend about this much per month, what purchase price should I stay around?”
Monthly Budget Target
The buyer’s all-in target monthly payment.
Creates a safer target range below the max estimate.
Loan Assumptions
Monthly Property Costs
Estimated Buyer Cash Items
Estimated Purchase Range
Target Max Price
$0
Approximate top purchase price based on the monthly budget entered.
Comfort Price Range
$0
A more conservative range after applying the comfort buffer.
Estimated Loan Amount
Based on your monthly target and financing assumptions.
$0
Estimated Down Payment
Using the down payment percentage selected.
$0
Taxes + Insurance + HOA + Extras
Monthly non-mortgage costs removed first before solving for price.
$0
Mortgage Insurance
Estimated based on loan type and down payment.
$0
Estimated Monthly Payment
Built back to your entered target.
$0
Estimated Closing Costs
Percentage-based estimate from the purchase price.
$0
Buyer's Broker Compensation
Shown for visibility and included only if buyer-paid.
$0
Broker Fee
Flat buyer-paid broker / transaction fee.
$0
Credits Applied
Seller credits and earnest money already paid.
-$0
Estimated Cash Needed
Approximate funds needed if the buyer buys at the max estimated price.
$0
This reverse calculation is meant to help establish a practical search range. Final affordability should always be confirmed by the lender using the buyer’s income, debts, credit profile, reserves, and program-specific guidelines.
Disclaimer: This tool is intended for planning purposes only. It reverse-engineers an estimated purchase range using simplified assumptions. Actual approval amounts and cash-to-close figures will vary based on rate, taxes, insurance, condo/HOA details, lender overlays, mortgage insurance, credit profile, and negotiated transaction terms.