Tools

Affordability calculator

Enter your income, debts, and planned down payment to estimate a realistic home price range.

Affordability calculator

30-yr fixed
$110,000
$950
$50,000
6.125%
30 yr
45%
0.85%
0.35%
$0
Estimated max price$491,627
$2,683
P&I
$348
Tax
$143
Ins.
$0
HOA
$3,175
Total

Estimate only. Max price is based on a 45% debt-to-income ratio and a 30-year fixed rate. Loan amount $441,627. Actual qualification depends on credit score, employment, and full documentation.

Want a real number?

A calculator is a great starting point. A pre-approval tells you exactly what you qualify for based on your credit, income, and documentation.

FAQ

Affordability questions.

How much house can I afford?+

A common guideline is a maximum debt-to-income ratio between 36% and 45%, which includes your new mortgage payment plus existing monthly debts. Our calculator lets you test income, debts, down payment, and rate to find a realistic budget.

Does a larger down payment help me afford more?+

Yes. A larger down payment lowers your loan amount, monthly payment, and often removes mortgage insurance. It also strengthens your offer in competitive markets.

What else affects my qualification?+

Credit score, employment history, income stability, and savings all matter. This calculator gives a starting point; a full pre-approval confirms your exact buying power.

Ready to see what you qualify for?

Start with a quick conversation or apply now. Either way, a real person will be with you the whole way.