Buying Power Tools

Single Family Home vs. HOA Purchase Power Calculator

A monthly HOA dues line quietly shrinks the home you can afford. See exactly how much — two ways.

Nest Mortgage · Buying Power Tools

Single Family Home vs. HOA Purchase Power Calculator

A monthly HOA dues line quietly shrinks the home you can afford. Compare a standalone home against an HOA property two ways — by what your budget can reach, and by what a set price costs each month.

The home & your budget

Target price ($)

A home you're weighing — drives the monthly comparison.

Monthly budget, all-in ($)

Your comfortable payment — drives the max-price math.

Down payment ($)

Down payment (%)

Dollars and percent stay linked.

Financing

Interest rate (%)

Your own quoted rate — subject to qualification.

Loan term (years)

HOA dues & property tax

Monthly HOA dues ($)

Property tax rate (%/yr)

Insurance — standalone vs. HOA

Standalone home ($/mo)

You insure the whole building and everything in it.

HOA / condo ($/mo)

Walls-in only — the master policy covers the rest.

Buying power lost to the HOA$59,034