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🏠 Affordability Calculator

How Much Home Can You Afford?

Enter your income and debts to see your maximum home price, loan amount, and monthly payment.

Your Numbers

Annual Income $90,000
$20K$500K
Monthly Debts (car, cards, student loans) $600
$0$10K
Down Payment $40,000
$0$300K
Interest Rate 6.5%
2%12%

Heads up: This estimate excludes property taxes, homeowners insurance, HOA dues, and PMI. Leave room in your budget for those — they can add several hundred dollars to your true monthly housing cost.

Maximum Home Price
$455,000
Based on your income, debts & DTI
Max Loan Amount$415,000
Est. Monthly Payment (P&I)$2,625
Down Payment$40,000
DTI Used43%
Get Pre-Approved — Apply Now → Speak With an Advisor
This calculator provides estimated buying power for illustration purposes only and excludes taxes, insurance, HOA, and PMI. Actual qualification depends on credit score, loan-to-value, property type, and lender terms. Contact us for a personalized pre-approval.

💡 Pro Tips

  • Paying down a car or credit card lowers your DTI and instantly boosts your buying power
  • A larger down payment raises your max home price dollar-for-dollar
  • Lenders judge affordability on DTI — your gross income vs. monthly debts
  • Remember to budget for taxes, insurance, and HOA on top of principal & interest

Calculators Estimate. We Pre-Approve.

This calculator gives you a solid sense of your buying power — but your true number depends on credit score, debts, and lender guidelines. We shop 50+ lenders to maximize what you qualify for.

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50+ Lenders Compared

We shop dozens of lenders simultaneously to find the program that stretches your buying power the furthest.

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Different lenders allow different DTI limits. As a broker, we match you to the one that qualifies you for more.

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