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Financial Power Homebuyer Tool

How Much House Can I Afford?

Estimate your affordable home price, monthly payment, down payment percentage, and debt-to-income ratio before you start shopping for a home.

\n Built on the 28/36 guideline\n Many buyers use the 28/36 rule as a starting point: keep housing expenses near 28% of monthly income and total debt near 36%.\n

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Enter Your Buyer Profile

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\n Annual household income\n

\n Before taxes. Include co-buyer income.\n

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\n Monthly debts\n

\n Loans, credit cards, alimony, child support, etc.\n

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\n Down payment cash\n

\n Cash you can pay at closing.\n

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\n Location\n

\n Used as a reminder to check local taxes and costs.\n

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\n Interest rate\n

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\n Loan term\n \n

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Advanced Options

\n Veteran / VA eligible\n I have a home to sell\n

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\n Home equity to add\n

\n Optional equity from selling your current home.\n

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\n Property tax rate\n

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\n Homeowners insurance\n

$/ mo

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\n PMI rate\n

\n Used when down payment is below 20%, unless VA is selected.\n

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Your Estimate

Estimated affordable home price

Comfortable estimate

Estimated monthly payment$0

Down payment0%

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Debt-to-income ratio0%

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Principal & interest$0

Estimated property tax$0

Estimated insurance$0

Estimated PMI$0

Total monthly debts + housing$0

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\n Get Prequalified\n Search Homes Within Budget\n

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This calculator provides an educational estimate only. Final loan approval, interest rate, mortgage insurance, property taxes, homeowners insurance, closing costs, and loan program eligibility must be verified by a licensed mortgage professional.

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How We Calculate How Much House You Can Afford

This affordability calculator considers your annual household income, monthly debts, down payment, interest rate, loan term, estimated taxes, homeowners insurance, and mortgage insurance when applicable. The goal is to give you a practical starting point before you speak with a lender or start touring homes.

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Income

Start with gross annual household income before taxes. Include the income of a spouse, partner, or co-buyer who will help qualify for the mortgage.

Monthly Debts

Include recurring debt obligations such as student loans, car loans, credit card payments, child support, or alimony. Do not include groceries or utilities.

Down Payment

A larger down payment can reduce the loan amount, lower the monthly payment, and may reduce or eliminate private mortgage insurance.

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