TOOLS · MORTGAGES
Home Affordability Calculator
Estimate a starting range for the home price your budget might support before you talk to a lender.
↗ CALCULATOR
ILLUSTRATIVE HOME PRICE
$396,422
Estimated loan$316,422
Housing budget / mo$2,700
This uses illustrative 28% housing and 36% total-debt ratios. It is not a lender prequalification and does not include every ownership cost.
Budget capacity is not loan approval
This tool uses illustrative debt-to-income ratios to create a planning range. Lenders use their own underwriting, and your comfortable payment may be lower than what a lender would approve.
Stress-test the result
Try a higher rate, higher taxes and insurance, and a smaller down payment. A home that only works under optimistic inputs is a warning sign.