Upstate Home Budget Calculator | Your Best Life Upstate

Home Budget Estimator

Adjust inputs to match your situation

Your Income & Existing Debt

Annual Gross Income

Before taxes, combined household income

Monthly Debt Payments

Car loans, student loans, credit cards, etc.

Home & Loan Details

Purchase Price

Down Payment

✓ 10% down

Interest Rate

Loan Term

Monthly HOA Fee

Leave $0 if no HOA

Home Insurance / yr

Property Tax

Annual Property Tax

Enter the amount from your county tax bill

Private Mortgage Insurance (PMI)

PMI Rate 0.85%

0.5% 1.5%

PMI applies when down payment is less than 20%. Typically 0.5%–1.5% of loan amount annually.

✓ No PMI required — down payment is 20% or more.

Your Results

Housing Ratio

–

of gross monthly income

Target: under 28%

Total DTI

–

of gross monthly income

Target: under 36%–43%

Estimated All-In Monthly Payment

$–

Principal & interest + taxes + insurance + HOA + PMI

Principal & Interest

30yr fixed

–

Property Tax (monthly)

SC rate

–

Homeowner's Insurance

Monthly est.

–

Total Monthly Payment

–

Estimated Closing Costs

$–

3%–4% of purchase price · In addition to down payment

–

Cash needed at closing

Total Cash Needed to Close

$–

Down payment + estimated closing costs

10%

Down payment

No Pressure · No Obligation

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This calculator provides general estimates only and is not a guarantee of loan qualification or actual costs.
SC property tax calculations use assessed value formulas and vary by county and municipality.
Consult a licensed lender for a formal pre-approval. · Your Best Life Upstate · Michael Breisch, Realtor®

The Upstate Home Budget Calculator

Ready to find your home in Upstate SC?