Home mortgage calculator

Estimate the affordability of buying a home

Estimate financial resources needed to afford a particular home price

Estimate the home price affordable for a particular income level


Our home mortgage calculator estimates the home purchase price likely to be affordable for the average home buyer in Vermont. It assumes:

  • 5% downpayment
  • Average interest rates, updated each quarter
  • Average property taxes
  • Average property and private mortgage insurance premiums
  • Average closing costs
  • That you can afford to spend 30% of your income for housing expenses
  • Read more about our assumptions ...


This tool is provided for information purposes only.

The estimates provided do not constitute in any way any pre-qualification, evaluation of loan amount, qualification or approval of any loan by any lender, including lenders under the VHFA mortgage programs.

This is not a disclosure nor an offer of credit and no guarantees are implied. Your actual loan amount and payments may vary.

The managers of this web site assume no responsibility for any errors, omissions or calculations made with this calculator.

For actual loan and payment amounts, please contact a lender in your local area.

Visit the Vermont Housing Finance Agency web site for a list of lenders offering VHFA affordable home mortgage products.