I get a $50,000 reduction in the amount I can afford if I go from $0 debt to $500/month and $15,000 total outstanding debt.
Okay, maybe that makes sense since I'd have 2.5 years of reduced income to make payments with.
But, if I reduce the total outstanding to $500/month and $500 total outstanding, that $50,000 reduction doesn't change.
Edit: One more thing: on Topic 4, the interest rate and minimum down payment percentage do not seem to change when I change the FICO range. They are both 3.25% no matter which score, except for the lowest range (which states I couldn't qualify). Also, if you can find me someone who will give me a 3.25% loan with 3.25% down in California (I have near perfect credit and strong numbers), I will literally pay you $10k cash on the spot :) Maybe you should be pulling actual rates/amounts from what people have actually been able to get in certain areas? (You could pull this info straight off the recorded TDs).
Otherwise, really cool tool that's relatively easy to use and looks nice!