These numbers seem low. An $800k loan ($1m property w/ $200k down payment) @ 3.1% says the payment is 3,416.13/month. I was expected a number around $4,600. I t

These numbers seem low. An $800k loan ($1m property w/ $200k down payment) @ 3.1% says the payment is 3,416.13/month. I was expected a number around $4,600. I think I know why it's low too. What about home insurance? What about property taxes? You aren't getting a home loan without committing to these other mandatory costs. And DTI ratios include these things. DTI means principal + interest + taxes + insurance + (all other debt you have) must be <~40% of your income. It's a calculator, for sure, but it's one that doesn't have meaningful defaults for these non-discretionary home expenses. I understand that, at a national level, generalizing things like property tax rates can be rough. But just have a reasonable default percentage, and let users adjust accordingly to their state.