What CRACTT weighs
Full monthly payment
Principal, interest, property tax, insurance, PMI, and HOA — the number you actually pay.
Ongoing upkeep
Maintenance and repair reserves, typically 1-2% of home value per year.
Cash to close
Down payment, closing costs, escrow, and moving — plus what's left afterward.
Rate sensitivity
How the affordable price shifts if rates move a point either way.
FAQ
- Is this a pre-approval?
- No — it's an independent affordability check to take into a lender conversation.
- Does it use my local taxes?
- Yes, give the city or county and it uses typical local rates, labeled as estimates.
More CRACTT tools
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- Is this a good deal?
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- How much should I budget for this?