Practical tools and expert insights for your most important financial goals.
Advanced Home Budget Calculator
Plan Your Future Home with Confidence
Our Advanced Home Budget Calculator helps you understand your finances and estimate a realistic housing budget. Click below to get started!
Advanced Home Budget Calculator
Analyze your Debt-to-Income ratio and estimate your housing budget.
💰 Gross Monthly Income (Before Taxes)
$
$
Total Income:$0.00
🛒 Monthly Expenses
Total Expenses:$0.00
% of Income:0.0%
💳 Debts (Monthly Obligations)
Total Debts:$0.00
Debt to Income (DTI) Ratio:0.0%
📈 Savings / Investments
Total Savings:$0.00
% of Income:0.0%
📊 Budget Summary
Your Monthly Housing Budget
Following the Rule of 28%
$0.00
Following the Rule of 36%
$0.00
*Remember* Total Monthly Housing Budget should include Principal, Interest, Taxes, Insurance, HOA, PMI (if applicable).
Disclaimer
A lender will take into account your credit score, employment history, debts, and income and more to determine the loan they will give you. The 28% and 36% rules will give you a good ball park idea of what mortgage professionals recommend your total housing budget should be inclusive of.
The Rule of 28%
Is a guideline used by lenders to help determine how much of your gross monthly income should be spent on housing expenses (including your mortgage payment, property taxes, homeowners insurance, HOA fees, etc.). According to this rule, your housing expenses should not exceed 28% of your gross monthly income.
The Rule of 36%
Also known as the debt-to-income (DTI) ratio rule, is a guideline used by lenders to determine how much debt an individual can handle when applying for a mortgage. According to this rule, your total monthly debt payments should not exceed 36% of your gross monthly income. This includes your potential mortgage payment along with any other debts, such as credit card payments, car loans, student loans, and other obligations.
TESTIMONIALS
What My Clients Are Saying
★ ★ ★ ★ ★
Helped us purchase our first home. Happy with our purchase. Process was nice and smooth. Will recommend Zerelda with friends and family members. She has a good and positive attitude with costumers and does not put pressure on costumers or make the process stressful.
Eduardo Marin
07-06-2025
★ ★ ★ ★ ★
She helped me explain the entire process from start to finish. Best of all, her responsiveness is the best of all, whatever question from “what’s escrow” to “how does property taxes work “ were answered in a timely manner. As a first time home buyer she made the whole process and easy and smooth.
Malachi Molina
18-03-2025
★ ★ ★ ★ ★
Zerelda is simply the best. You will not find a better agent who works so hard for you. I contacted Zerelda after my house had been on the market for 6 months and terrible experiences with 2 different agents. She went above and beyond what is expected of a real estate agent. She is extremely knowledgable, she studies and knows the market, she communicated on a regular basis, and she knows how to market a home correctly. But more than anything else, Zerelda truly cared about us and our situation. Call Zerelda. You will not be disappointed.
Salomon Gonzales
11-01-2025
★ ★ ★ ★ ★
Working with Zerelda was an exceptional experience! She was incredibly patient, highly knowledgeable, and guided me through every step of the process. Her expertise and dedication made finding the perfect property stress-free and enjoyable. Zerelda’s professionalism and attention to detail were evident in every interaction, and I always felt like I was her top priority. I highly recommend her to anyone looking for a reliable and talented realtor!
Jose Marrero
10-01-2025
★ ★ ★ ★ ★
It was a positive experience and reassuring throughout the entire process. Also, prompt businesswoman who pays attention to every detail. We look forward to working with her again if the need arises. Will also refer all our family friends, and colleagues to Zerlada!
lgsoza
16-12-2024
★ ★ ★ ★ ★
Zeralda has been very professional, responsive, and knowledgeable throughout our house buying journey. We managed to buy our beautiful home when the market was tough and competitive for buyers, and it wouldn’t have been successful without her help! We’d highly recommend her if anyone is looking for a reliable realtor in El Paso.