Enter your income, down-payment savings and monthly debts — I'll show the max price a Florida lender will approve, plus a comfortable budget you can live with. Includes Florida property tax, hurricane insurance, HOA and PMI.
With 20%+ down, Conventional is typically cheaper long-term — PMI drops at 20% equity.
28% of your gross income goes to housing — the classic rule of thumb for a stress-free monthly budget. Leaves room for life: vacations, retirement, emergencies.
Most FL lenders top out at 50% total DTI (housing + all debts). You'll get approved at this number, but you'll feel it every month. Best used as a ceiling, not a target.
Property tax (Miami-Dade ~1.16%, higher for investors), wind/hurricane insurance, HOA, and PMI if you're under 20% down. All baked into the numbers above.