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Learning how much you can afford and what your mortgage payment will be are one of the most important things you can do when preparing to buy a home. Only by speaking to a qualified lender will you be able to determine how big on a loan you can qualify for and what your total monthly payment including various taxes will be. However, using a mortgage calculator can be a great way to gage your monthly payment amount. Additionally, using an affordability calculator is a great way to estimate the loan amount for which you will qualify.