What data and assumptions does it use?

Standard amortization mathematics (public domain). The 28/36 debt-to-income guideline as published by consumer-finance references. Current illustrative rates from the Freddie Mac Primary Mortgage Market Survey, dated on-screen.

Home calculator

Buyer Confidence Score

Your Buyer Confidence Score is a weighted blend of five components of home-buying readiness — affordability, down payment, debt-to-income, credit health, and cash reserves — each scored 0–100 from your own figures and standard, published lending guidelines.

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Buyer-Ready

Turns your website visitors into named prospects

Agents and title companies co-brand the Buyer Confidence Score on their own sites. Visitors who run it can be identified through ProspectMatch and added to your prospects — no form fill required.

The method

How it works

01 We estimate a full monthly payment (principal, interest, property tax, insurance, and PMI when the down payment is under 20%) for your target price using a standard amortization formula.

02 Affordability compares that payment with the widely published ~28% housing-payment guideline; debt-to-income compares all monthly debt with the ~36% guideline.

03 The down-payment component assumes you put up to 20% down (avoiding PMI) and keep anything above that as reserves; reserves are measured in months of housing payment lenders like to see.

04 Credit health is scored from your self-reported band and the rate tier it typically unlocks — educational only, no credit pull.

05 Your estimated price range is found by solving for the price whose full payment fits the debt-to-income guideline given your income, debts, and savings.

Monthly P&I = L·r/(1−(1+r)^−n) with monthly rate r and n payments (public-domain amortization). DTI guidelines per the classic 28/36 rule.

Ready to run your own numbers?

Free, about two minutes, no credit pull — and the report is yours to keep.

Try the Buyer Confidence Score