MILITARY RELOCATION · MIDDLE GEORGIA

Your next home.
Your numbers.

Military Home Buying Budget Calculator

Build your budget

Example numbers are loaded. Replace them with yours. Income and debts are monthly; down payment is a one-time amount.

Exclude rent or mortgage payments that will end when you move. Include housing debt you will keep. Your entries stay in this page and are not submitted.

Adjust loan & budget assumptions

Illustrative defaults—not current rates, local tax quotes, or lender limits.

Plan beyond the payment.

Leave room for utilities, maintenance, savings, and everyday expenses. Closing costs and moving expenses are separate from your down payment.

A starting point for your home search

The monthly target is the smaller of your housing percentage × income, or your total debt percentage × income minus existing debts. Income includes BAH, base pay, and other income once, without a tax-free income adjustment. The home-price range uses 90–100% of that housing target.

This is a planning estimate, not preapproval or a loan offer. The default 30% housing and 41% total-debt targets are adjustable planning assumptions. A lender must verify income, credit, eligibility, and—for VA loans—residual income and entitlement. Tax exemptions and lender-specific requirements are not modeled.

VA funding fees are financed in this estimate and adjust for down payment and use history; exempt borrowers pay no fee. VA loans have no monthly mortgage insurance. Conventional PMI is an estimate. Review official VA funding fee guidance ↗