Free Tools

Know your numbers before
you make your move.

Three free tools to help you understand your options before you talk to anyone.

Monthly Rent $1,800
$500 — $5,000 / month
Home Price $350,000
$100K — $1.5M
Down Payment 10%
$35,000 down
Interest Rate 7.0%
3.0% — 12.0%
Loan Term
Annual Appreciation 3.0%
1% — 8% per year
Years to Compare 10
1 — 30 years
Total Cost of Renting
$216,000
Total Cost of Buying
$298,000
Net Difference
$82,000
Buying saves you money
Break-Even Point
You break even at month 48
Rent
$216K
Buy
$298K
Ready to stop renting? Start your application →
Annual Household Income $85,000
$30K — $500K annually
Monthly Debt Payments $400
Car, student loans, credit cards
Down Payment Available $20,000
$5,000 — $200,000
Interest Rate 7.0%
3.0% — 12.0%
Loan Term
Estimated Max Home Price
$284,000
Max Monthly Payment
$1,569
Loan Amount
$264,000
Your DTI Ratio
34%
Within conventional guidelines
0%36%43%50%
See what loans you might qualify for → Explore loan programs
Monthly Gross Income $6,000
$1,000 — $30,000 / month
Proposed Mortgage (PITI) $1,500
Principal, interest, tax & insurance
Monthly Car Payment $300
Student Loan Payment $200
Credit Card Minimums $100
Other Monthly Debts $0
Front-End DTI (Housing Only)
25%
Back-End DTI (All Debts)
35%
Total Monthly Debts
$2,100
Qualification Status
LIKELY TO QUALIFY
0%36%43%50%
Under 36%
Most loan programs available
36%–43%
Most conventional programs
Over 43%
Specialty programs may still work
Not sure what your payment would be? Use the mortgage calculator →

Work With an Expert

Numbers are just the starting point.

Madison Chase Capital Advisors works with 100+ lenders to find programs that fit your actual situation — not just your DTI.

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These tools provide estimates only and do not constitute a loan commitment, pre-qualification, or approval. Actual loan eligibility depends on credit history, employment, assets, and other factors reviewed during the full application process. Tanya Blanchard NMLS #240422 | Madison Chase Capital Advisors | Powered by Edge Home Finance, LLC NMLS #891464
Powered by Edge Home Finance, LLC Madison Chase Capital Advisors  •  Tanya Blanchard NMLS #240422

Edge Home Finance, LLC  •  NMLS #891464  •  5860 Baker Road, Minnetonka, MN 55345

Equal Housing Opportunity Lender. This is not a commitment to lend. All loans subject to credit approval.

Licensed in: Georgia and Florida  •  NMLS Consumer Access: www.nmlsconsumeraccess.org  •  Licensing & Disclosures

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Equal Housing Opportunity
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