Home Affordability Calculator

Estimate how much home you may be able to afford based on income, debts, down payment, and monthly housing costs.

Annual Household Income

Monthly Debt Payments

Down Payment

Interest Rate (%)

Loan Term (Years)

Property Tax Rate (% of Home Price Per Year)

Annual Homeowners Insurance

Monthly HOA Fees

Max DTI Ratio (%)

Max Housing Ratio (%)

PMI Rate (% Per Year, Used if Under 20% Down)

Estimated Closing Costs (% of Home Price)

Estimated Affordable Home Price

Estimated Loan Amount $0

Estimated Monthly Payment $0

Estimated Cash to Close $0

Max Housing Budget Per Month $0

Estimated Monthly Payment Breakdown

Principal and Interest: $0
Property Taxes: $0
Insurance: $0
PMI: $0
HOA: $0

This calculator provides an estimate only and is not a loan approval or lending commitment. Actual loan terms, taxes, insurance, PMI, and qualification standards may vary.