Home affordability calculator

Planning calculator

Find a price that fits your life.

Start with your income, existing debts, and comfortable monthly housing budget. Adjust the debt-to-income assumptions to explore different scenarios.

Gross household income / year

Other debt payments / month

Cash available for down payment

Comfortable housing budget / month

Housing DTI limit

Total DTI limit

Interest rate

Loan term / years

Property tax / year

Home insurance / month

HOA dues / month

Annual mortgage insurance rate

Estimated maximum home price$434,877Within your chosen monthly and DTI limits

Housing allowance / month: $2,800
Estimated housing payment: $2,800
Principal & interest: $2,172
Property tax / month: $453
Mortgage insurance / month: $0
Estimated loan amount: $334,877
Down-payment cash used: $100,000

Build my purchase plan

Educational estimate only. Actual qualification, costs, and loan terms vary.

How this estimate works

The estimate uses the lowest of your housing DTI limit, total DTI limit after other debts, and chosen budget. Down-payment cash excludes closing costs and reserves. Mortgage insurance is modeled above 80% loan-to-value; program requirements vary. DTI settings are planning assumptions, not approval criteria. Verify taxes with the county workflow.

Find your county property tax workflow →