Real Estate
HOA True Cost Calculator
HOA fees count toward your DTI for loan qualifying. A $400/mo HOA can drop your max purchase by $60-80k.
Reduced max purchase
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- HOA % of income
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- Total HOA paid
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- 10-yr HOA + 3% inflation
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FAQ
Are HOA fees deductible? +
No, unless the home is a rental. Primary residence HOA is fully out of pocket.
What does HOA cover? +
Common areas, exterior maintenance (sometimes), amenities (pool, gym), and insurance for shared structures. Read the docs before buying.