• How Much Can You Afford?

    Our calculators will help you determine loan amounts, mortgage qualification, affordability or whether you should be renting or buying.

    Complete the fields below and click Calculate Now.

    To view the results of each calculation, click on the various tabs.

    To email yourself a copy of the results, click the Receive this Detailed Analysis link.


    Required Fields
    Term In Years:     
    Interest Rate:      %
    Cost of Home:  $
    Down Payment:  $  
    Annual Insurance:  $  
    Estimate Insurance to 0.43% of Cost
    Annual Property Tax:  $  
    Estimate Tax to 1.2% of Cost
    Monthly Income:  $
    Monthly Debt:  $
    Optional Fields
    Gross Debt Service Ratio (GDS):     
    Total Debt Service Ratio (TDS):     
    Condos Fees:  $
      Receive this Detailed Analysis

    Your Monthly Payments
    Loan Amount:
    Loan Insurance (%):
    Total Loan (Mortgage) Amount:
    Principal & Interest:
    Homeowners Insurance:
    Property Taxes:
    Condo Fees:
    Monthly Loan Insurance (%):
    Total Monthly Payment:
    Income Needed to Qualify for the Mortgage
    Total Monthly Loan Payment:
    Total Monthly Debt Payment:
    Monthly Loan Insurance (%):
    Qualifying Income of % GDS Ratio:
    Qualifying Income of % TDS Ratio:
    What You Can Afford
    We are using the % ratio.
    Cost of House:
    Down Payment:
    Loan Value:
    Monthly Principal & Interest:
    Monthly Insurance:
    Monthly Property Tax:
    Monthly Condo Fees:
    Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
    (monthly interest rate/ function of interest rate)
    Monthly Rent: $
    Annual Rental Increases:  %
    Monthly Renter Insurance: $
    Savings or Investment Rate:  %
    Planned # of years in home: 
    Yearly appreciation of the home:  %
    Annual home maintenance:  %

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    The McInerney Team
    Realty Executives Associates

    109 Northshore Drive
    Ste. 200
    Knoxville, TN 37919

    Office: 865-588-3232
    Direct: 865-237-5289
    Fax: 865-251-3232


    Your Knoxville TN
    Real Estate Connection!

    Contact Us Online

    The Christine McInerney Team


    Each Realty Executives office is independently owned and operated. All of the listings displayed on this website may not be listed by Realty Executives Associates. Information deemed reliable but not guaranteed. The supplied Knoxville real estate IDX portal allows you to search for Knoxville homes, land, real estate, and other properties for sale in the Greater Knoxville area that are listed in the Knoxville MLS. The data relating to real estate on this website comes in part from the Broker Reciprocity/IDX (Internet Data Exchange) Program of the Knoxville Area Association of REALTORS® MLS (Multiple Listing Service, Inc). Not all IDX listings from the Knoxville MLS are currently under the brokerage of Realty Executives. Data received from other IDX Participants is deemed reliable but not guaranteed.


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