Affordability Calculator
How much house can I afford?
Mortgage intelligence + financing route graph
Understand your options. Know your next move.
Kawsah helps you organize your home‑buying journey, find the tool or answer you need right now, and connect to the right financing path when you're ready — instead of drowning in mortgage jargon.
Marcelo Bayon · NMLS #1851997 · Salt Lake City, UT
Two ways in
Start wherever you are
Some people know exactly what they want. Others just know they want to buy a home someday. Both start here.
I Know What I Want
Go straight to the path you're after.
Help Me Figure It Out
Answer a few questions and we'll point you to one clear next step.
How Kawsah works
Every tool leads to your next step
Kawsah isn't a brochure. It's a route graph: each guide, calculator, and template gives you an answer — and then tells you what to do with it.
A question→ A tool→ An insight→ Your route→ The next step
Start with the numbers
Free planning calculators
Mortgage Payment Calculator
What's my mortgage payment?
Cash-to-Close Calculator
How much money do I need to close?
Refinance Break-Even Calculator
Does refinancing make sense?
The right graph for your situation
Connected to a wider ecosystem
When your question is bigger than a single mortgage, Kawsah points you to the specialist tool that fits — and brings you back when you're ready.
NorthReserve
Personal financial readiness — spending, reserves, and your broader financial position.
Mitig8 AI
Self-employed income analysis (tax-return income, add-backs, qualifying-income scenarios).
NonQM Capital
Alternative financing: bank statement, DSCR, bridge, foreign national, investment, 5–10 unit.
Corporate Capital Map
Business and working capital to grow a company (not a mortgage on a property).
Common questions
The things buyers ask first
How much home can I afford?
It depends on your income, debts, down payment, and rate. The free affordability calculator gives you a comfortable estimate in seconds — a planning estimate, not a loan approval.
Try the affordability calculator →I'm self-employed — can I still get a mortgage?
Often, yes. What matters is how your income is documented. Kawsah's self-employed path helps you see whether tax-return income (via Mitig8) or alternative documentation (via NonQM Capital) fits your situation.
See the self-employed path →Do Kawsah's tools cost anything?
The calculators and the Route Finder are free. Some templates and bundles are or will be paid — each one is clearly labeled before you commit to anything.
Find my path →Is Kawsah a lender?
Kawsah is a mortgage-intelligence and navigation platform led by a licensed loan originator (NMLS #1851997). It helps you understand your options and connects you to financing — it does not approve loans or guarantee terms.
Who's behind Kawsah →Get connected
When you're ready, we're ready.
Start your application on your own time, or book a 15-minute call to talk through your options. No pressure, no obligation.