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Mortgage Affordability Calculator

How much house can I afford?

Answer three questions to find out. It takes less than five minutes to complete and see your results.

Get started
Get started
Question 1 of 3

If you’re buying a home with a partner, include gross income for both you and your partner.

Enter in a dollar amount greater than $0
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Question 2 of 3

Include your minimum payments for credit cards, student loans, car payments, child support, etc. Do not include living expenses, such as rent or food.

Enter in a dollar amount of $0 or more
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Question 3 of 3

This is the amount you pay upfront. It can be as low as $0, depending on the type of loan.

Enter in a dollar amount of $0 or more
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For an individual, annual gross income equals the total amount of money earned in one year, before taxes.
Enter in a dollar amount greater than $0
Include monthly payments on revolving debts, alimony, child support and other recurring monthly obligations.
Enter in a dollar amount of $0 or more
The cash put toward the purchase of a home to make up the difference between the purchase price and the mortgage loan - usually a percent of the purchase price, i.e. '5% down'
Enter in a dollar amount of $0 or more
The duration of time it takes to pay off the loan.
Additional details
The amount you'll pay each year to borrow the money, expressed as a percentage.
Enter in a valid interest rate
Taxes paid based on the value of the property.
Enter in a dollar amount greater than $0
A form of property insurance that covers losses and damages to an individual's house and to assets in the home.
Enter in a dollar amount greater than $0
Private Mortgage Insurance protects the lender in the event the borrower defaults on a loan with a downpayment of less than 20% and is included in the monthly payment.
Fees paid to an organization of homeowners of a particular subdivision, condominium, or planned unit development.
Enter in a dollar amount greater than $0

We’re having trouble calculating how much house you can afford. Please make sure all fields to the left are filled out correctly before continuing.

Your debt-to-income (DTI) ratio is above 45%. DTI is one of the main ways lenders determine whether you qualify for a mortgage. A DTI below 36% is ideal. The lower your DTI, the more likely you are to qualify for a home loan. Speak with a loan officer today to discuss what options may be available to you.

Read How to Qualify for Your First Home Loan article.
Home PriceMonthly Payment
Select the type of payment plan you want depending on your financial situation
Comfortable
monthly payment
Stretching
monthly payment

Your debt-to-income (DTI) ratio is 35%. You’ll have a comfortable cushion to cover things such as food, utilities and entertainment.

Your debt-to-income (DTI) ratio is 45%. To be in the best position to purchase a home, you may need to pay down some of your debt.

Apply now
Contact a loan officer

When using the calculator, please remember the dollar amounts displayed are not guaranteed. Actual payments may differ. Estimates are for illustrative and educational purposes only. The results of any loan calculator are not intended to be, and should not be considered, a decision of or commitment to the loan type or amount for which you may qualify.

Home equity loan calculator

Calculate your total home equity and how much you can borrow.

How much equity do you have in your home?

Find out how much you're eligible to borrow.

Get started

What is your home currently worth?

This is the appraised value of your home.

$
Enter in a dollar amount between $0 and $9,999,999
Next
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What is your current mortgage balance?

This includes your first mortgage, and if applicable, the balance of any additional mortgages.

$
Enter in a dollar amount between $0 and $9,999,999
Next
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Mortgage information

Current appraised value of your home
Enter a dollar amount
Total of all outstanding mortgage balances
Enter a dollar amount

WSECU has a maximum loan-to-value (LTV) of 90%.

Try another LTV
The percentage of your home's value that is available to borrow.
Enter in a percentage

Home equity breakdown

The maximum home equity loan that WSECU will grant is $500,000.

It appears you may not have any equity available. Another option is a personal line of credit.

Apply now

When using the calculator, please remember the dollar amounts displayed aren’t guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to, the loan type or amount for which you may qualify.

Auto loan calculator

Budget better by planning ahead

How much can I borrow?

Enter the loan amount and we'll calculate your monthly payment, or enter your desired monthly payment and we'll tell you how much you can borrow.

Calculate monthly payment
Calculate loan amount

What is your desired monthly payment?

This is the amount you pay monthly for the length of the term.
Enter in a dollar amount
Next
Back

What payment best fits your lifestyle?

Here are a few popular options.
Smaller Loan + Shorter Term (48 months)
Moderate Loan + Moderate Term (60 months)
Larger Loan + Longer Term (84 months)
Back

How much would you like to borrow?

This is the total loan amount.
$
Enter in a dollar amount
Enter in a dollar amount
Next
Back

What payment best fits your lifestyle?

Here are a few popular options.
Higher Payment + Shorter Term (48 months)
Moderate Payment + Moderate Term (60 months)
Lower Payment + Longer Term (84 months)
Back

How much can I borrow?

The amount you will pay towards the loan monthly.
Enter in a dollar amount
Enter loan amount instead
Enter in a dollar amount
Enter monthly payment instead
The amount you'll pay each year to borrow the money, expressed as a percentage. Your actual rate may vary. See rates for this loan type for other options.
Enter in a percentage
The duration of time it takes to pay off the loan in months.
Enter in a number between 1 and 360

Principal & Interest Over Time

Apply now
Learn more

When using the calculator, please remember the dollar amounts displayed aren’t guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to, the loan type or amount for which you may qualify.

Debt Consolidation Calculator

Debt Consolidation Calculator

How much can I save?

Enter your credit card or loan balances to see how much you can save by consolidating.

Next

What do you want to consolidate?

Add your current loans or credit cards that you'd like to consolidate.

Save and add another Save and continue
Back Skip

Review your current products

Here's what you've entered so far...

Next
Back

What kind of product would you like to consolidate into?

Would you like to consolidate into a credit card or a loan?

Consolidate
to a new
credit card. Consolidate
to a
new loan.
Back

Your new credit card

What are the details on your new credit card? Does it have an introductory rate?

Next
Back

Your new loan

What are the terms on your new loan?

Next
Back

Products

Your current credit card(s) or loan(s):

Add more

The new card you're transferring to:

Low promotional APR sometimes offered for new credit cards.
Term of the introductory APR in months
Months
The cost of the loan, including interest and fees.
Consolidate to a new loan instead

The new loan you're transferring to:

The cost of the loan, including interest and fees.
The duration of time it takes to pay off the loan in months.
Months
Consolidate to a new credit card instead

Enter in the details of your new loan or credit card.

Comparison Summary

Credit Card
Credit Card

Total Interest Comparison

Monthly Payment Comparison

Learn more about our credit cards
Learn more about our personal loans

Credit Card Payoff Calculator

Credit Card Payoff Calculator

How long will it take to pay off my credit card?

How many months will it take to pay off my credit card?

Get started

Credit card balance

This is the total amount that remains to be paid on your credit card.

$
Enter in a dollar amount
Next
Back

What is your APR?

Please enter the annual percentage rate of your credit card.

%
Enter a valid APR.
Next
Back Skip

How do you want to pay off your credit card?

Please select the path that best fits your goal.

I know when I want to be debt free. I know how much I can afford per month.
Back Skip

How much time?

In what amount of time would you like to pay off this credit card?

Years
Months
Please enter a length of time
Next
Back Skip

How much can you pay per month?

Please enter the amount that you are able to comfortably pay per month.

Minimum $0 required.
Next
Back Skip

Credit Card Payoff Information

The amount you will pay towards your balance monthly.
Minimum ${#} required to cover interest.
Adjust time until payoff
Timeframe The length of time it will take to pay off your balance.
Must be 0 to 11 months and 0 to 99 years, totaling at least 1 month
Adjust monthly payment
The cost of the loan, including interest and fees.
Enter a valid APR
Total balance you currently owe.
Enter a dollar amount

Credit Card Breakdown

Error
Time Until Payoff
Error
Error
Error
Error
Error

Monthly payment too low

Learn more about how to manage debt

When using the calculator, please remember the dollar amounts displayed aren’t guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to the loan type or amount for which you may qualify.

Personal Savings Calculator

How do you want to save for the future?

Select one of these options to get started.

I have a monthly savings goal in mind I have a total savings goal in mind
Skip

How much can you save per month?

Enter how much you think you can save per month on average.

$
Next
Back Skip

Do you have a timeframe?

Do you know how long you are planning on saving?

Yes No
Back Skip

How long do you want to save?

Enter how long you plan on saving to meet your goal.

Years
Months
Next
Back Skip

Do you have a total savings goal?

Do you have a total amount you are hoping to save?

Back Skip

What is your savings goal?

Enter the total amount you want to save.

$
Next
Back Skip

What is your savings goal?

Enter the total amount you want to save.

$
Next
Back Skip

Do you have a timeframe?

Do you know how long you are planning on saving?

Back Skip

How long do you want to save?

Enter how long you plan on saving to meet your goal.

Years
Months
Next
Back Skip

How much can you save per month?

Enter how much you think you can save per month on average.

$
Next
Back Skip

Savings Information

Calculate Total Savings
Calculate Monthly Savings
Calculate Timeframe
Your total savings based on your monthly contribution and timeframe.
The amount you will need to save monthly to reach your savings total in this timeframe.
Timeframe The total length of time you will need to save to reach your total savings.
0 0
The total savings you would like to have after making your monthly contributions.
The amount you will need to save monthly to reach your savings total in this timeframe.
Timeframe The total length of time you will need to save to reach your total savings.
The total amount earned with compounded dividends over a year.
The amount you already have in your savings account.

Savings Summary

0
0
over 0 0
Open account
Learn more

When using the calculator, please remember the dollar amounts displayed aren’t guaranteed, and what you actually save may be different. The estimates you receive are for illustrative and educational purposes only. The results of any savings calculator are not intended to be and should not be considered a guarantee of the amount for which you may save.

Credit Card Consolidation Calculator

Credit Card Consolidation Calculator

How much can I save?

Enter your credit card balances to see how much you can save by consolidating.

Next

What do you want to consolidate?

Add your current credit cards that you'd like to consolidate.

Save and add another Save and continue
Back Skip

Review your current products

Here's what you've entered so far...

Next
Back

What kind of product would you like to consolidate into?

Would you like to consolidate into a credit card or a loan?

Consolidate
to a new
credit card. Consolidate
to a
new loan.
Back

Your new credit card

What are the details on your new credit card? Does it have an introductory rate?

Next
Back

Your new loan

What are the terms on your new loan?

Next
Back

Products

Your current credit card(s) or loan(s):

Add more

The new card you're transferring to:

Low promotional APR sometimes offered for new credit cards.
Term of the introductory APR in months
Months
The cost of the loan, including interest and fees.

The new loan you're transferring to:

The cost of the loan, including interest and fees.
The duration of time it takes to pay off the loan in months.
Months

Enter in the details of your new credit card.

Comparison Summary

Credit Card
Credit Card

Total Interest Comparison

Monthly Payment Comparison

Learn more about our credit cards

Money Market Calculator

How do you want to save for the future?

Select one of these options to get started.

I have a monthly savings goal in mind I have a total savings goal in mind
Skip

How much can you save per month?

Enter how much you think you can save per month on average.

$
Next
Back Skip

Do you have a timeframe?

Do you know how long you are planning on saving?

Yes No
Back Skip

How long do you want to save?

Enter how long you plan on saving to meet your goal.

Years
Months
Next
Back Skip

Do you have a total savings goal?

Do you have a total amount you are hoping to save?

Back Skip

What is your savings goal?

Enter the total amount you want to save.

$
Next
Back Skip

What is your savings goal?

Enter the total amount you want to save.

$
Next
Back Skip

Do you have a timeframe?

Do you know how long you are planning on saving?

Back Skip

How long do you want to save?

Enter how long you plan on saving to meet your goal.

Years
Months
Next
Back Skip

How much can you save per month?

Enter how much you think you can save per month on average.

$
Next
Back Skip

Savings Information

Calculate Total Savings
Calculate Monthly Savings
Calculate Timeframe
Your total savings based on your monthly contribution and timeframe.
The amount you will need to save monthly to reach your savings total in this timeframe.
Timeframe The total length of time you will need to save to reach your total savings.
0 0
The total savings you would like to have after making your monthly contributions.
The amount you will need to save monthly to reach your savings total in this timeframe.
Timeframe The total length of time you will need to save to reach your total savings.
The total amount earned with compounded dividends over a year.
The amount you already have in your savings account.

Savings Summary

0
0
over 0 0
Learn more
See more rates

When using the calculator, please remember the dollar amounts displayed aren’t guaranteed, and what you actually save may be different. The estimates you receive are for illustrative and educational purposes only. The results of any savings calculator are not intended to be and should not be considered a guarantee of the amount for which you may save.

Loan Consolidation Calculator

Loan Consolidation Calculator

How much can I save?

Enter your loan balances to see how much you can save by consolidating.

Next

What do you want to consolidate?

Add your current loans that you'd like to consolidate.

Save and add another Save and continue
Back Skip

Review your current products

Here's what you've entered so far...

Next
Back

What kind of product would you like to consolidate into?

Would you like to consolidate into a credit card or a loan?

Consolidate
to a new
credit card. Consolidate
to a
new loan.
Back

Your new credit card

What are the details on your new credit card? Does it have an introductory rate?

Next
Back

Your new loan

What are the terms on your new loan?

Next
Back

Products

Your current credit card(s) or loan(s):

Add more

The new card you're transferring to:

Low promotional APR sometimes offered for new credit cards.
Term of the introductory APR in months
Months
The cost of the loan, including interest and fees.

The new loan you're transferring to:

The cost of the loan, including interest and fees.
The duration of time it takes to pay off the loan in months.
Months

Enter in the details of your new loan.

Comparison Summary

Credit Card
Credit Card

Total Interest Comparison

Monthly Payment Comparison

Learn more about our personal loans

Mortgage Purchase Calculator

Mortgage Information

The purchase price of the home you are interested in.
Down Payment The cash put toward the purchase of a home to make up the difference between the purchase price and the mortgage loan - usually a percent of the purchase price, i.e. '5% down'
or
The amount you'll pay each year to borrow the money, expressed as a percentage.
The duration of time it takes to pay off the loan.
Taxes paid based on the value of the property.
A form of property insurance that covers losses and damages to an individual's house and to assets in the home.
Private Mortgage Insurance protects the lender in the event the borrower defaults on a loan with a downpayment of less than 20% and is included in the monthly payment.
327
Fees paid to an organization of homeowners of a particular subdivision, condominium, or planned unit development.

Monthly Payment Breakdown

$3,525
$2,661
$537
$327
$0
$3,525
Apply now
Learn more

When using the calculator, please remember the dollar amounts displayed aren’t guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to the loan type or amount for which you may qualify. Actual PMI will vary based on individual criteria. Estimated property tax rate is 1.10%, actual property tax rate will be based the county in which the property is located. 

Loan Payoff Calculator

Loan Payoff Calculator

How long will it take to pay off my loan?

How many months will it take to pay off my loan?

Get started

Loan balance

This is the total amount that remains to be paid on your loan.

$
Enter in a dollar amount
Next
Back

What is your APR?

Please enter the annual percentage rate of your loan.

%
Enter a valid APR.
Next
Back Skip

How do you want to pay off your loan?

Please select the path that best fits your goal.

I know when I want to be debt free. I know how much I can afford per month.
Back Skip

How much time?

In what amount of time would you like to pay off this loan?

Years
Months
Please enter a length of time
Next
Back Skip

How much can you pay per month?

Please enter the amount that you are able to comfortably pay per month.

Minimum $0 required.
Next
Back Skip

Loan Payoff Information

The amount you will pay towards your balance monthly.
Minimum ${#} required to cover interest.
Adjust time until payoff
Timeframe The length of time it will take to pay off your balance.
Must be 0 to 11 months and 0 to 99 years, totaling at least 1 month
Adjust monthly payment
The cost of the loan, including interest and fees.
Enter a valid APR
Total balance you currently owe.
Enter a dollar amount

Loan Payoff Breakdown

Error
Time Until Payoff
Error
Error
Error
Error
Error

Monthly payment too low

Learn more about how to manage debt

When using the calculator, please remember the dollar amounts displayed aren’t guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to the loan type or amount for which you may qualify.

Personal loan calculator

How much can I borrow?

Enter the loan amount and we'll calculate your monthly payment, or enter your desired monthly payment and we'll tell you how much you can borrow.

Calculate monthly payment
Calculate loan amount

What is your desired monthly payment?

This is the amount you pay monthly for the length of the term.
Enter in a dollar amount
Next
Back

What payment best fits your lifestyle?

Here are a few popular options.
Smaller Loan + Shorter Term (48 months)
Moderate Loan + Moderate Term (60 months)
Larger Loan + Longer Term (84 months)
Back

How much would you like to borrow?

This is the total loan amount.
$
Enter in a dollar amount
Enter in a dollar amount
Next
Back

What payment best fits your lifestyle?

Here are a few popular options.
Higher Payment + Shorter Term (48 months)
Moderate Payment + Moderate Term (60 months)
Lower Payment + Longer Term (84 months)
Back

How much can I borrow?

The amount you will pay towards the loan monthly.
Enter in a dollar amount
Enter loan amount instead
Enter in a dollar amount
Enter monthly payment instead
The amount you'll pay each year to borrow the money, expressed as a percentage. Your actual rate may vary. See rates for this loan type for other options.
Enter in a percentage
The duration of time it takes to pay off the loan in months.
Enter in a number between 1 and 360

Principal & Interest Over Time

Apply now
Learn more

When using the calculator, please remember the dollar amounts displayed aren’t guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to the loan type or amount for which you may qualify.

Mortgage Refinance Calculator

Loan Information

The amount your are looking to borrow. This is typically what you owe on the home, but it is possible to buy down this amount. For additional funds, you can borrow up to current value of the home (known as cash-out refinancing.)
The amount you'll pay each year to borrow the money, expressed as a percentage.
The duration of time it takes to pay off the loan.
Taxes paid based on the value of the property.
A form of property insurance that covers losses and damages to an individual's house and to assets in the home.
Fees paid to an organization of homeowners of a particular subdivision, condominium, or planned development.

Monthly Payment Breakdown

$3,334
$2,797
$537
$0
$3,334
Apply now
Learn more

When using the calculator, please remember the dollar amounts displayed aren’t guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to the loan type or amount for which you may qualify. Estimated property tax rate is 1.10%, actual property tax rate will be based the county in which the property is located. 

RV loan calculator

How much can I borrow?

Enter the loan amount and we'll calculate your monthly payment, or enter your desired monthly payment and we'll tell you how much you can borrow.

Calculate monthly payment
Calculate loan amount

What is your desired monthly payment?

This is the amount you pay monthly for the length of the term.
Enter in a dollar amount
Next
Back

What payment best fits your lifestyle?

Here are a few popular options.
Smaller Loan + Shorter Term (48 months)
Moderate Loan + Moderate Term (60 months)
Larger Loan + Longer Term (84 months)
Back

How much would you like to borrow?

This is the total loan amount.
$
Enter in a dollar amount
Enter in a dollar amount
Next
Back

What payment best fits your lifestyle?

Here are a few popular options.
Higher Payment + Shorter Term (48 months)
Moderate Payment + Moderate Term (60 months)
Lower Payment + Longer Term (84 months)
Back

How much can I borrow?

The amount you will pay towards the loan monthly.
Enter in a dollar amount
Enter loan amount instead
Enter in a dollar amount
Enter monthly payment instead
The amount you'll pay each year to borrow the money, expressed as a percentage. Your actual rate may vary. See rates for this loan type for other options.
Enter in a percentage
The duration of time it takes to pay off the loan in months.
Enter in a number between 1 and 360

Principal & Interest Over Time

Apply now
Learn more

When using the calculator, please remember the dollar amounts displayed aren’t guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to the loan type or amount for which you may qualify.

Share Certificate Calculator

Certificate Savings Calculator

Summary

The initial deposit used to open your certificate. The initial amount of money you want to put in your certificate
The percentage rate reflecting the total amount of dividends paid over a year. The total amount earned with compounded interest over a year.
The number of months it takes for the certificate to mature. The amount of time your money is in the Certificate Account

Savings Summary

Open today

When using the calculator, please remember the dollar amounts displayed aren’t guaranteed, and what you actually save may be different. The estimates you receive are for illustrative and educational purposes only. The results of any savings calculator are not intended to be and should not be considered a guarantee of the amount for which you may save.

Loan Payoff Calculator

How long will it take to pay off my loan?

How many months will it take to pay off my loan?

Get Started

Loan balance

This is the total amount that remains to be paid on your loan.

$
Enter in a dollar amount
Next
Back

What is your APR?

Please enter the annual percentage rate of your loan.

%
Enter a valid APR.
Next
Back Skip

How do you want to pay off your loan?

Please select the path that best fits your goal.

I know when I want to be debt free. I know how much I can afford per month.
Back Skip

How much time?

In what amount of time would you like to pay off this loan?

Years
Months
Please enter a length of time
Next
Back Skip

How much can you pay per month?

Please enter the amount that you are able to comfortably pay per month.

Minimum ${#} required.
Next
Back Skip

Loan Payoff Information

Minimum ${#} required.
Adjust time until payoff
Timeframe
Must be 0 to 11 months and 0 to 99 years, totaling at least 1 month
Adjust monthly payment
Enter a valid APR
Enter a dollar amount

Loan Payoff Breakdown

Time Until Payoff

Monthly payment too low

Learn more about how to manage debt

When using the calculator, please remember the dollar amounts displayed aren't guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to the loan type or amount for which you may qualify.

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