Home Affordability Calculator

Left: enter your income and debts to find your max qualifying housing payment. Right: enter a monthly budget to see the purchase price range. Use → Use as max budget to connect the two.

What I Can Actually Qualify For

Pre-tax combined monthly income

Gross monthly income for all applicants combined.

Monthly fixed expenses / recurring debts

Include car loans, student loans, credit cards, and other recurring debts.

Front-end ratio (housing %) default 28%

Back-end ratio (total DTI %) default 36%

Mortgage term for qualification

Interest rate APR (%)

Annual property tax rate (%)

Annual homeowners insurance (USD)

HOA / monthly fees (USD)

Down payment (USD)

Max housing payment allowed

Based on front-end and back-end ratios and existing debts.

Estimated purchase price you may qualify for

Estimate; final approval depends on lender underwriting.

Estimated financed loan

Purchase price minus down payment.

Affordability Calculator

Minimum monthly budget for housing

Maximum monthly budget for housing

Mortgage term

Interest rate APR (%)

Annual property tax rate (%)

Annual homeowners insurance (USD)

HOA / monthly fees (USD)

Down payment (USD)

🔒 Save these results to your client portal — one place for your whole financial picture. Access Portal →

Monthly budget range

$1,500 — $3,000

Term: 30 years · APR: 4.99%

Estimated purchase price range

$0 — $0

Includes property tax, insurance, and HOA. Down payment reduces financed amount.

Financed loan range (approx)

$0 — $0

Loan principal = purchase price − down payment.