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    First-Time Buyer Calculator

    Know what the home really costs before you make an offer.

    See your monthly payment, cash to close, and buying power in minutes. Buy with clarity, not guesswork.

    Percentage (%)

    Dollar amount

    Today's avg: 6.75% — Get pre-approved with Joel Casso

    Find on Zillow listing or ask your agent

    Estimate: $100/mo

    Typically 2–3% of purchase price

    Monthly Payment

    $2,105

    Principal & Interest: $1,605

    Taxes: $400

    Insurance: $100

    Cash to Close

    $15,000

    Down payment assistance may be available — ask about SONYMA programs

    Affordability Check

    Add your income above to check affordability

    Rent vs Own

    $405/mo more than the avg rent ($1,700)

    First-time buyer programs can reduce what you need upfront.

    • • SONYMA loans — below-market interest rates for NY first-time buyers
    • • Down payment assistance — up to $15,000 available
    • • FHA loans — as low as 3.5% down
    Talk to Joel Casso about your options → (518) 522-7265