Your Mortgage Choice
Home Affordability Calculator
Estimate how much home you may be able to afford based on income, monthly debts, recurring obligations, down payment, interest rate, taxes, insurance, HOA fees, and PMI. Use this to know your price range, avoid overextending your budget, and plan confidently before shopping.
Your Financial Profile
Use gross income before taxes and deductions.
Credit cards, auto loans, student loans, etc.
Childcare, tuition, support obligations, etc.
This estimate uses the amount entered as the planned down payment.
Loan assumptions
This changes the target housing and total debt-to-income limits.
Other monthly home costs
PMI is estimated when down payment is under 20%.
Estimated Home Price
$0
Based on selected profile.
Estimated Monthly Payment
$0
Principal, interest, taxes, insurance, HOA, and PMI.
Estimated Loan Needed
$0
Down payment applied.
Affordability Status
Affordable
DTI estimate will appear here.
Planning note: The safest number is not always the highest number. Use this estimate to set a smart shopping range before you tour homes.
Total Debt-to-Income Gauge
Affordable, stretch, and difficult ranges are estimates for planning only.
Affordable: up to 36%
Stretch: 36–43%
Difficult: 43%+
Monthly Payment Breakdown
Buying Power Scenarios
━━━━━━━━
━━━━━━━━