Affordability Calculator

Discover your maximum home purchase budget based on income and debt

Your Finances

Annual Household Income

Your total gross annual income before taxes.

Monthly Debt Payments

Total existing monthly obligations: car payments, student loans, credit cards, etc.

Down Payment Available

Cash available for down payment. 20% avoids PMI.

Interest Rate

Current mortgage rate estimate. Actual rate depends on credit and program.

Loan Term

Maximum Home Price

$528,020

Based on 28% housing ratio

Conservative Budget (80%)$422,416

Max Monthly Mortgage$2,800

Total DTI Ratio33.0%

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All calculations are estimates for informational purposes only and do not constitute a loan offer or commitment. Actual rates, payments, and terms may vary based on creditworthiness, property type, loan-to-value ratio, and other underwriting criteria. NMLS #2611147 | Equal Housing Opportunity.