Prime Living Properties | Calculators
Prime Living Properties
Home Buying Calculators
Missouri & Florida Real Estate · Everything you need to make a confident move
Loan Type
VA
0% down eligible
FHA
From 3.5% down
Conventional
From 5% down
Purchase Details
Home Price $450,000
Down Payment $0 (0%)
Set your own down payment
Interest Rate 6.75%
Loan Term 30 years
30 yr
20 yr
15 yr
10 yr
Monthly Costs
Property Tax Rate
%
Homeowners Insurance / yr
$
Closing Costs & Seller Details
Title Policy Paid By
Seller Contribution
Closing Cost Rate (% of loan)
Total Monthly Payment
$—
Principal, interest, PMI, taxes & insurance
Principal & Interest—
PMI —
Property Tax—
Homeowners Insurance—
Total Monthly—
Loan Amount
—
After down payment
Total Interest
—
Over loan term
Total Cost
—
All payments combined
Payoff Year
—
Estimated completion
Principal —Interest —
Estimated Closing Costs
Origination / Lender Fees—
Appraisal & Inspection~$800
Title Insurance—
Escrow / Attorney Fees—
Recording & Transfer—
Prepaid (Insurance + Tax)—
Total Closing Costs (Est.)—
Cash Needed at Closing—
Live Market Data · Federal Reserve
Current Mortgage Rates
Historical rate data sourced directly from the Federal Reserve Bank of St. Louis (FRED). Use these trends to time your rate lock and inform your interest rate input above.
Source: Federal Reserve Bank of St. Louis (FRED) · Updated Weekly
Ready to take the next step?
Let's find your home in Missouri or Florida.
These are estimates — reach out to Christina and she'll connect you with a licensed mortgage broker for exact figures.
📞 Call Christina · (314) 629-5867
Christina Swyers · Realtor® · Prime Living Properties
All figures are estimates for illustrative purposes only and do not constitute a loan offer or financial advice. Contact Christina at primelivingproperties.com to be connected with a licensed mortgage broker.
Renting Details
Monthly Rent $2,000
Annual Rent Increase
%
Renter's Insurance / yr
$
Buying Details
Home Price $400,000
Down Payment
%
Interest Rate
%
Loan Term
Property Tax Rate
%
HOA / mo
$
Home Insurance / yr
$
Maintenance / yr
$
Market Assumptions
Home Appreciation / yr
%
Investment Return (if renting)
%
Compare Over
5 yrs
10 yrs
20 yrs
30 yrs
Break-even Point
—
Buying becomes cheaper than renting
Break-even Year
—
Renting
Monthly Payment—
Total Paid—
Investment Value—
Net Worth Impact—
Buying
Monthly Payment—
Total Paid—
Home Equity—
Net Worth Impact—
Advantage After 10 Years—
Equity Built—
Home Value (projected)—
Total Cost of Renting—
Total Cost of Buying (P+I only)—
Not sure which makes sense for you?
Let's run the numbers together.
These are estimates — reach out to Christina and she'll connect you with a licensed mortgage broker for personalized guidance.
📞 Call Christina · (314) 629-5867
Christina Swyers · Realtor® · Prime Living Properties
All figures are estimates for illustrative purposes only. Investment returns and home appreciation are assumptions and not guaranteed. Contact Christina at primelivingproperties.com to be connected with a licensed mortgage broker.
Your Move Details
Moving Distance
Home Size
Move Type
Full Service Movers
Self Move (Truck Rental)
Hybrid
Moving Expenses
Professional Services
Moving Company / Truck
$
Packing Services
$
Storage (if needed)
$
Specialty Items (piano, art)
$
Travel & Temporary Living
Travel Costs (flights/fuel)
$
Temporary Housing
$
New Home Setup
New Furniture / Appliances
$
Home Improvements
$
Utility Deposits / Setup
$
Cleaning Services
$
Administrative
Vehicle Registration / Transfer
$
Mail / Admin / Misc
$
Reimbursements & Offsets
Employer Relocation Package
$
Sale Proceeds / Credits
$
Total Relocation Cost
$—
Before reimbursements
Professional Services—
Travel & Temporary Living—
New Home Setup—
Administrative—
Total Before Reimbursements—
Reimbursements / Credits—
Your Out-of-Pocket Cost—
Recommended Budget Buffer
Conservative estimate (your total)—
+ 15% buffer (recommended)—
+ 25% buffer (safe cushion)—
Planning a move to Missouri or Florida?
Let Christina guide your transition.
These are estimates — reach out to Christina and she'll connect you with a licensed mortgage broker and local experts to get you settled smoothly.
📞 Call Christina · (314) 629-5867
Christina Swyers · Realtor® · Prime Living Properties
Moving cost estimates vary significantly by region, season, and provider. These figures are illustrative only. Contact Cassandra to be connected with a licensed mortgage broker and trusted local vendors.
What do you want to calculate?
→ Max Home Price
Enter your income
→ Income Needed
Enter a target price
Annual Gross Income
$
Co-Borrower Income (optional)
$
Loan Parameters
Down Payment
%
Interest Rate
%
Loan Term
Property Tax Rate
%
Homeowners Insurance / yr
$
HOA / mo
$
Monthly Debts (for DTI)
Car Payment(s)
$
Student Loans
$
Credit Card Minimums
$
Other Monthly Debts
$
Max DTI Guideline
36% Conservative
43% Standard
50% Maximum
Max Home Price
$—
Based on your income & DTI
Gross Monthly Income—
Max Monthly Housing (DTI)—
Existing Monthly Debts—
Available for Housing Payment—
Est. Monthly Payment at Max Price—
Front-End DTI (housing only)—
Back-End DTI (all debts)—
Max Loan Amount
—
Before down payment
Down Payment Needed
—
Cash required
Income Needed
—
At 43% DTI
DTI Status
—
Debt-to-income ratio
Price Range by DTI Guideline
Conservative (36% DTI)—
Standard (43% DTI)—
Maximum (50% DTI)—
Know your budget. Find your home.
Christina will help you get pre-approved.
These are estimates — reach out to Christina and she'll connect you with a licensed mortgage broker to get pre-qualified today.
📞 Call Christina · (314) 629-5867
Christina Swyers · Realtor® · Prime Living Properties
Affordability estimates are based on DTI guidelines and do not constitute pre-approval or a loan offer. Contact Cassandra to be connected with a licensed mortgage broker for an official qualification.

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Selling with Us

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If you're looking to sell your home but are not sure about it's value, don't worry! We've got you covered. Here are a few great tools and resources to help get started!

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Frequently Asked Questions

What services does Prime Living Properties offer?

We specialise in buying, selling, and marketing residential real estate. Our team, led by Christina Swyers, also provides guidance throughout the entire transaction process, from listing your home to closing the sale.

How do I get started if I want to sell my home?

You can reach out to us directly at [email protected] to schedule a consultation. We’ll provide a free market analysis of your property and walk you through the steps to list your home.

Can Prime Living Properties help me find a home to buy?

Yes, we work closely with buyers to identify properties that match their needs, preferences, and budget. We’ll guide you through property searches, tours, negotiations, and closing.

Do you only work in certain areas?

We primarily serve both Missouri and Florida, but we are also connected to a wide network of real estate professionals across the country if you need assistance outside of our core market.

How can I contact Prime Living Properties?

The best way to reach us is by email at [email protected]. You can also follow us on social media for updates and new listings.

Get in touch today

With Prime Living Properties, when you reach out, we'll be there. Schedule an obligation-free consultation with us, and we'll be there to see exactly how we can help you along your homeowner journey.

  • Call us on (314) 629-5867

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