Paste any listing URL or enter the price. In 10 seconds you get the REAL all-in monthly cost (not just P&I), your House Poor Score, 10-year wealth projection, and how much you're overpaying in property taxes. Free.
We parse Zillow listing data and add all costs banks include in underwriting: property tax (county average), home insurance, HOA fees, and PMI if applicable. The result is your true PITI payment — what a banker actually sees.
Property tax from county assessor data. Insurance estimate based on home value and location. PMI applies when down payment is under 20%. Closing costs estimated at 2-3% of purchase price. Educational use only.
Prices and rates are widely reported. Whether a lender says yes is not. In the complete 2025 federal record, denial rates across the 100 largest FHA lenders ran from 1.8% to 78.7% — same programme, same year.
And it is not simply who applies where: standardizing on state, loan amount, income, debt-to-income and loan-to-value, applicant mix explains only a 2.7× range in expected outcomes.
CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published per market, not all lenders. Historical observations, not predictions. CC BY 4.0, not independently reproduced.