How much home
can you afford?
Real numbers. All loan types. VA, USDA, FHA + WA DPA, and conventional, side by side. No email required to run the calculator.
Compare All Loan Types
The Kitsap Affordability Calculator
Switch between loan types to see how VA, USDA, FHA, and conventional compare on the exact same home.
Kitsap Affordability Calculator
Compare all loan types · real WA numbers
Car, student loans, credit cards
VA adj: 6.38%
$2,963
Est. monthly payment
$0
Down payment
45%
DTI ratio ⚠️ high
$455,000
Max budget @ 43% DTI
DTI over 43%, most lenders won't approve. Try a lower price or reducing debts.
Estimate only · taxes, insurance, and HOA not included
Which Loan Type Is Right for You?
VA Loan
Best for: Military & veterans
- $0 down, no PMI
- Lower rate than conventional
- Reusable benefit
- Seller pays closing costs
USDA Loan
Best for: Rural Kitsap areas
- $0 down, no traditional PMI
- Poulsbo, Kingston, Seabeck eligible
- Income limits apply
- Must be primary residence
FHA + WA DPA
Best for: First-time buyers
- 3.5% down (DPA can cover it)
- Works at 580+ credit score
- Stack with Home Advantage
- Most flexible qualification
Conventional
Best for: Strong credit / 20% down
- Best rates at 20% down
- 3% min (no DPA)
- PMI required < 20% equity
- Most sellers prefer it
Renting in Kitsap?
Is Buying Better Than Renting Right Now?
Run your own numbers below. Kitsap rents have climbed significantly, at some price points, buying is already cheaper.
🏠 Rent vs. Buy in Kitsap
$144,000
Rent 5yr total
Zero equity
$95,541
Buy 5yr net cost
After equity
$124,580
Equity built
5 yr est.
Assumes 3.5%/yr appreciation, VA $0 down @ 6.75%, 2% annual maintenance. Not financial advice.
⏱️ The calculator is a start
Your Real Number
Comes from a Lender.
The calculator gives you a range. A pre-approval gives you a letter, the thing that gets you into contract. It takes 3–5 days, costs nothing, and tells you exactly what you can spend.
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