Pre-Qualification Tool
Calculate your estimated purchase power
Income & Monthly Debt
$
Please enter your monthly income.
$
Car loans, student loans, credit card minimums, etc.
Down Payment
Estimating with a 5% down payment.
Credit & Property
%
Default rate assumption as of May 2026 — estimate only, not a rate quote. Adjust if you have a current quote.
%
PA averages ~1.2–1.6% of home value.
$
$
%
Lender & title fees, appraisal, plus escrow setup & prepaid taxes/insurance. ~3–5% is typical.
%
PA is typically ~1% buyer-side and negotiable. Philadelphia is higher (~3.3%).
Estimated Result
Estimated Max Purchase Price
Max Loan Amount
Front-End DTI (Housing)
Back-End DTI (Total)
Down Payment
Estimated Cash Needed at Closing
Down Payment
Closing Costs & Prepaids
Transfer Tax (buyer's share)
Estimated Total Cash to Close
Closing costs, prepaids, and transfer tax are estimates and vary by property and municipality. Seller concessions, lender credits, or gift funds can reduce the cash you bring — ask Josiah how these apply to your situation.
Estimated Monthly Payment (PITI)
Principal & Interest
Property Taxes
Homeowners Insurance
Mortgage Insurance
HOA Dues
Total Monthly Payment
This tool provides an estimate for educational purposes only. It is not a credit decision, loan commitment, pre-approval, or offer to lend, and does not constitute financial advice. Estimates use 2026 loan limits and standard guideline assumptions; actual qualification depends on a full review of income, credit, assets, property, and lender-specific guidelines. Rates shown are not a quote. Mortgage insurance, taxes, closing costs, and fees are estimates and will vary. All loans subject to credit approval. 
Equal Housing Opportunity. BoniFi Capital does business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, national origin, religion, sex, familial status, handicap, marital status, age, or because all or part of an applicant's income is derived from public assistance.
Equal Housing Opportunity. BoniFi Capital does business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, national origin, religion, sex, familial status, handicap, marital status, age, or because all or part of an applicant's income is derived from public assistance. Ready to get Pre-Approved?
No Hard Pull Required
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All rights reserved.
This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
BoniFi Capital is a mortgage brokerage. All loans arranged through third-party lenders. Rates and terms subject to change.
Not all programs available in all states.
Currently serving PA, FL, and DSCR investors nationwide in 40+ states.
Matthew 22:37-39
