Tools that actually help

Free, honest, and Georgia-specific. Use them as long as you like — no email required.

Mortgage calculator

Real Georgia numbers, no surprises.

Home price$475,000

Down payment (20%)$95,000

Rate (%)

Term

County

Tax rate (%)

Insurance ($/yr)

HOA ($/mo)

Estimated monthly payment

$2,989

Principal & interest$2,427
Property tax$412
Insurance$150

LTV 80% · No PMI (20%+ down).

🍑 Georgia tip: file for your homestead exemption by April 1 after you move in — it can meaningfully lower the property-tax portion above.

Educational estimate — your lender and closing attorney confirm exact figures.

What can you afford?

A comfortable range using the 28/36 rule lenders use.

Annual household income

Monthly debt payments (cars, cards, loans)

Rate (%)

County

Comfortable home price (20% down)

$447,000

Comfortable monthly housing budget: $2,800

If you stretch a bit: up to $527,000

The 28/36 rule keeps housing ≤ 28% of gross income and total debts ≤ 36%. This is educational, not a pre-approval — a lender's pre-approval is the real green light. Want one? Ask Maya.