Inputs
Deal structure
Loan amount
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Down payment $
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Monthly mortgage P&I
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Post-closing liquidity
Remaining cash after close
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Savings minus down payment and closing costs
Liquidity status
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Monthly carrying cost
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Mortgage + maintenance
Board minimum (12 mo)
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Standard requirement
Strict minimum (24 mo)
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Top buildings
Debt-to-income (DTI)
Housing DTI (front-end)
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Board target ≤ 28%
Total DTI (back-end)
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Board target ≤ 36%
DTI status
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Max qualifying purchase price at current income and debts
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Assumes same rate, HOA, and 36% back-end DTI limit
Closing costs — NYC coop (edit any line)