Mother Abode — Free Tool

What Can I Afford?

Enter your income and details below. We will instantly calculate your estimated affordable home price range, down payment needed and full monthly payment breakdown.

Tell Us About Your Situation

Before taxes — your full annual salary
Car, student loans, credit cards only
Current MA average 30-year fixed rate — adjust to compare
10%
0%10%20%30%
⚠️ PMI applies — putting 20% or more down eliminates PMI entirely
Your Estimated Affordable Home Price Range
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Based on the 28% housing expense rule and your income and debts
Down Payment Needed
Based on your selected percentage
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Minimum range
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Maximum range
Estimated Monthly Payment Breakdown
Principal & Interest —
Property Tax —
Home Insurance —
PMI —
Total Monthly Payment (PITI) —
✅ Your results are based on your income and the 28% housing expense guideline used by most lenders.
Loan Types You May Qualify For
Massachusetts Programs You May Qualify For
MassHousing — Up to $25,000 in down payment assistance at 0% interest with deferred repayment. Available to first-time buyers meeting income limits. Visit MassHousing.com
ONE Mortgage Program — Below-market fixed interest rates with no PMI required. One of the best programs in Massachusetts for eligible first-time buyers. Visit MHP.net
City & Town Programs — Many Massachusetts cities and towns offer additional local assistance on top of state programs. Check your city or town official website for details specific to your area.
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Important Disclaimer: All estimates provided by this calculator are for informational and educational purposes only and are not a guarantee of loan approval, actual mortgage payments or total costs. Affordable home price range is estimated using the 28% housing expense guideline. Property tax is estimated at the Massachusetts average of 1.14% annually and will vary significantly by city and town. Home insurance is estimated at 0.6% of the home value annually. PMI is estimated at 0.85% of the loan amount annually and only applies when the down payment is less than 20% — once you reach 20% equity PMI can be removed. Monthly payment estimates are based on the midpoint of your affordable price range. Interest rates change daily and your actual rate will depend on your credit score, lender and loan type. For an accurate personalized assessment please speak with a licensed Massachusetts Realtor and a trusted mortgage lender. Mother Abode is not a lender and does not provide financial or legal advice.