Find Out How Much You May Be Able to Afford

Enter your information below to estimate a comfortable monthly housing payment, loan amount, and price range. This tool is for illustration only and does not constitute a loan approval or commitment to lend.

Your Information

Adjust the numbers to explore different scenarios.

Annual Gross Income

Before taxes, all borrowers combined.

Monthly Debt Payments

Car, student loans, credit cards, etc. (excluding current rent).

Target Debt-to-Income (DTI)

Total monthly debts + housing as a % of gross income.

Interest Rate

Estimated note rate for the loan.

Loan Term (Years)

Most common options are 30 or 15 years.

Est. Taxes + Insurance + HOA

Monthly estimate for property taxes, homeowners insurance, and HOA (if any).

Planned Down Payment (Optional)

Used to estimate a potential purchase price.

This calculator is provided for educational and illustrative purposes only. Results are estimates and are not a credit decision, loan approval, or commitment to lend. Actual qualification will depend on a full application, documentation, underwriting, and lender guidelines.

Your Estimated Range

Enter your information on the left and click "Calculate Affordability" to see an estimated payment and price range.

Max Total Housing Payment (P&I + Taxes/Ins/HOA)

Based on your income, debts, and selected DTI target.

Estimated Max Principal & Interest Payment

This is the mortgage payment portion before taxes, insurance, and HOA.

Estimated Maximum Loan Amount

Approximate loan size using your rate and term.

Estimated Price Range (with Your Down Payment)

Add a down payment amount on the left to estimate a potential purchase price.