Home Affordability Calculator

Discover how much house you can afford based on your income and expenses

Determine how much house you can afford based on your income, debts, and down payment

Your Financial Information

Annual Gross Income

Monthly Debt PaymentsCar loans, credit cards, student loans, etc.

Down Payment (%)

Interest Rate (%)

Loan Term (Years)

Property Tax Rate (% annually)

Home Insurance Rate (% annually)

PMI Rate (% annually)

Max Front-End Ratio (%)

Max Debt-to-Income (%)

• This calculator provides estimates based on standard lending guidelines and may not reflect all loan programs or lender requirements.

• Additional costs like HOA fees, utilities, maintenance, and closing costs are not included in these calculations.

• Pre-approval from a lender will provide more accurate affordability numbers based on your specific financial situation.

• Consider keeping your housing costs below the maximum to maintain financial flexibility.

Connect with a loan officer who can help you secure pre-approval and find the best loan program for your budget.