Reverse Buyer Calculator

Start With the Monthly Budget and Work Backward

This calculator helps answer the real question buyers often ask first: “If I only want to spend about this much per month, what purchase price should I stay around?”

Monthly Budget Target

The buyer’s all-in target monthly payment.
Creates a safer target range below the max estimate.

Loan Assumptions

Monthly Property Costs

Estimated Buyer Cash Items

Target Max Price $0 Approximate top purchase price based on the monthly budget entered.
Comfort Price Range $0 - $0 A more conservative range after applying the comfort buffer.
Estimated Loan AmountBased on your monthly target and financing assumptions.
$0
Estimated Down PaymentUsing the down payment percentage selected.
$0
Taxes + Insurance + HOA + ExtrasMonthly non-mortgage costs removed first before solving for price.
$0
Mortgage InsuranceEstimated based on loan type and down payment.
$0
Estimated Monthly PaymentBuilt back to your entered target.
$0
Estimated Closing CostsPercentage-based estimate from the purchase price.
$0
Buyer’s Broker CompensationShown for visibility and included only if buyer-paid.
$0
Broker FeeFlat buyer-paid broker / transaction fee.
$0
Credits AppliedSeller credits and earnest money already paid.
$0
Estimated Cash NeededApproximate funds needed if the buyer buys at the max estimated price.
$0

This reverse calculation is meant to help establish a practical search range. Final affordability should always be confirmed by the lender using the buyer’s income, debts, credit profile, reserves, and program-specific guidelines. Seller-paid broker compensation is displayed for visibility and excluded from buyer cash needed.

Disclaimer: This tool is intended for planning purposes only. It reverse-engineers an estimated purchase range using simplified assumptions. Actual approval amounts and cash-to-close figures will vary based on rate, taxes, insurance, condo/HOA details, lender overlays, mortgage insurance, credit profile, and negotiated transaction terms.

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Whether you're listing your home or searching for the perfect property across Florida's Treasure Coast and South Florida, we'd love to connect and make it happen for your family.

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