Planning Tools

Crunch the
Numbers.

Monthly Payment

Estimate Your Monthly Payment

See your full estimated payment including principal, profit, taxes, insurance, and more.

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Auto-calculated when down payment is below 20%
Estimated Monthly Payment $2,875
Principal & Profit $2,275
Property Tax $450
Insurance $150
HOA $0
PMI $0
Total over loan term $0
Year Principal Profit Balance
Get a Precise Quote

This calculator provides estimates only. Actual payments may vary based on credit profile, property type, and current market conditions.

Affordability

How Much Home Can You Afford?

Based on your income and debts, see the maximum home price you may qualify for.

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You Can Afford Up To $0
Max Loan Amount $0
Down Payment $0
Max Monthly Payment $0
DTI Used 0%
Housing Payment $0
Remaining Budget $0
Get Pre-Approved

This is an estimate based on standard DTI guidelines. Your actual qualification may differ based on credit, assets, and other factors.

Refinance Savings

How Much Could You Save?

Compare your current payment with a new halal refinance to see potential savings.

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New Monthly Payment $0
Current Payment $2,800
New Payment $0
You save $0/mo ($0/yr)
Total Savings $0
Break-Even 0 months
Start Refinance Review

Savings estimates do not include closing costs or fees. Actual savings depend on your specific loan terms and credit profile.

Down Payment

Plan Your Down Payment

See how much you need to save and how long it will take based on your target home price.

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%
mo
Down Payment Needed $80,000
Monthly Savings Goal $3,333
Weekly Savings $769
Compare Down Payment Options
3%
$12,000
5%
$20,000
10%
$40,000
20%
$80,000
Start Saving With a Plan

This is a simple savings estimate. Actual down payment requirements vary by loan program, property type, and lender guidelines.

Cash Needed to Close

Estimate Your Upfront Cash

Break down down payment, closing costs, and prepaid items before you start shopping.

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Estimated Cash Needed $41,500
Down Payment $22,500
Closing Costs $13,500
Prepaids & Escrows $5,500
Review My Cash Plan

Closing cost and prepaid estimates vary by state, county, property taxes, insurance, and program. This is a planning estimate only.

Rent vs Buy

Compare Renting With Buying

Estimate the monthly difference, equity picture, and break-even timeline over time.

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Monthly Comparison
Renting $2,400/mo
Buying $0/mo
Calculating...
5-Year Equity $0
10-Year Equity $0
Break-Even Timeline
Year 0 Year 5 Year 10
Monthly Difference $0
5-Year Rent Spent $0
Explore Buying Options

Rent-vs-buy estimates are simplified and do not include tax strategy, maintenance, transaction costs, rent increases, or individual financing terms.

Financing Structures Compared

Four Paths to Homeownership.
One Clear Winner.

Not all financing is the same. Compare the four most common structures and see why Murabaha stands out for transparency, simplicity, and buyer protection.

01

Conventional

Interest-Based Loan
How It Works Bank lends money and charges interest (riba) on the loan balance. Interest compounds over time.
Ownership Buyer holds title from closing. Bank holds a lien until fully paid.
Payments Fixed or variable. Variable rates mean unpredictable monthly costs.
Sharia Compliance Not compliant. Involves riba (interest), which is prohibited.
Transparency Total cost unclear upfront due to compounding and rate changes.
Availability Widely available. Fannie Mae & Freddie Mac eligible.
Not Sharia Compliant
02

Musharakah

Diminishing Partnership
How It Works Bank and buyer co-own the property. Buyer gradually purchases the bank's share over time while paying rent on the bank's portion.
Ownership Shared ownership. Title transfers gradually as buyer's share increases.
Payments Rent + equity purchase. Monthly cost shifts as ownership ratio changes.
Sharia Compliance Compliant, but debated among some scholars due to complexity.
Transparency Moderate. Rent adjustments and shifting ratios add complexity.
Availability Limited in the US. Few lenders offer this structure.
Halal, Complex Structure
03

Ijara

Lease-to-Own
How It Works Bank purchases and owns the property, then leases it to the buyer. Lease payments include a purchase component.
Ownership Bank retains title throughout. Buyer receives title only at end of lease term.
Payments Lease payments may be reviewed periodically. Less payment predictability.
Sharia Compliance Compliant. Widely accepted, though buyer lacks ownership until end.
Transparency Moderate. Lease terms and residual value add variables.
Availability Available in the US but less common than Murabaha.
Halal, No Ownership Until End
Mubarak's Structure
04

Murabaha

Cost-Plus Financing
How It Works Bank buys the property and sells it to you at a disclosed, agreed-upon markup. Total price is fixed from day one.
Ownership Immediate title transfer. You own the home from closing day.
Payments Fixed monthly payments. No compounding, no surprises, no rate adjustments.
Sharia Compliance Sharia-reviewed. AMJA fatwa-certified and reviewed by Islamic scholars.
Transparency Full disclosure of cost and profit margin before you sign anything.
Availability Available nationwide. Freddie Mac eligible. No prepayment penalties.
Best for Homebuyers
Apply with Murabaha

Home with Abdi G. operates under Home Mortgage Alliance Corporation (NMLS #1165808). Our Murabaha products are AMJA fatwa-certified and comply with both Sharia principles and US regulatory requirements. Individual Loan Officer NMLS #2834772.

Your Path to Homeownership

Four steps from conversation to closing day.

Professional consultation

Free Consultation

We discuss your goals, budget, and timeline together.

Document review

Get Pre-Approved

Fast pre-approval so you can shop with confidence.

Beautiful home

Find Your Home

Make offers backed by a strong pre-approval letter.

Keys to new home

Close & Celebrate

We handle the details. You get the keys.

Like What
You See?

Get a personalized quote based on your actual financials.

Start Application

Or call Abdi directly: (206) 899-9027