Mortgage Affordability Calculator

Please enter the following information:
$ Valid annual income is required.
Housing Expenses
Other Monthly Non-Housing Expenses
Other Monthly Obligations
Interest Rate
View SONYMA programs and current interest rates.


Maximum Affordable Mortgage(3)
Monthly Principal and Interest Mortgage Payment:
Maximum Affordable Purchase Price(4):
Minimum Required Downpayment Amount:

(1) Downpayments of less than 3% apply to the Habitat for Humanity Program only. Applicants must contribute 1% of their own funds into the transaction. Loans with less than 20% downpayment require PMI.

(2) Only include these payments if you have more than 10 or more payments remaining.

(3) This is only an estimate. A final determination as to your eligibility can only be made upon your sub- mission of a mortgage loan application to a SONYMA participating lender and SONYMA's approval of your loan application.

(4) This assumes that you make a minimum downpayment. If you have more funds for downpayment, this amount can be greater.