Title: Can Dr. Sharma Afford Her $850,000 Dream Home? Optimize PITI & Retirement. Tagline: Is My $850,000 Dream Home Truly Affordable? Calculate PITI and Optimize Finances Problem: Dr. Anya Sharma, a 35-year-old physician, has found her dream home listed for $850,000 in a desirable school district. She's excited, but also overwhelmed. Anya is currently paying $3,200 monthly on her $280,000 student loan at 6.8% interest and diligently contributes $2,500 each month to her 401(k). She worries that adding a significant mortgage payment, property taxes, and homeowner's insurance will severely strain her budget and potentially jeopardize her debt repayment and retirement goals. She wants to determine the maximum affordable mortgage payment she can handle without derailing her other financial priorities. Solution: By utilizing Golden Door Asset's PITI Calculator in conjunction with our Student Loan and Debt Payoff Calculators, Anya can precisely estimate her total housing costs, factor in her existing student loan obligations, and project the long-term impact on her debt payoff timeline and retirement savings. This allows her to make a data-driven decision about whether to proceed with the home purchase, explore alternative financing options, or consider more affordable properties. ROI: By accurately estimating her PITI and adjusting the down payment and mortgage terms using the calculator, Anya discovers she can comfortably afford a $650,000 mortgage (with a $200,000 down payment) while maintaining her student loan payments and retirement contributions. This prevents her from overextending herself financially, saving her potentially $50,000 in interest over the life of a too-expensive mortgage, and ensuring she stays on track to retire comfortably, potentially adding an extra $150,000 to her retirement nest egg over the long term due to consistent contributions. Description: Determine if your ideal home is financially feasible while managing student loan debt and retirement savings. Make informed decisions about your largest investment. Category: Lead Gen