How Much House Can You Afford?
Our comprehensive affordability calculator helps you determine your home buying budget based on your income, existing debts, and down payment. Get instant pre-qualification estimates and see exactly how your monthly budget breaks down.
Multiple Loan Programs
Compare affordability across Conventional, FHA, VA, and USDA loans with different DTI requirements.
DTI Analysis
See your front-end and back-end debt-to-income ratios with clear qualification guidelines.
Budget Breakdown
Visual breakdown of your monthly income showing housing, debts, savings, and remaining funds.
Down Payment Scenarios
Compare different down payment amounts and see the impact on your loan and PMI requirements.
Key Factors We Consider
Home Affordability Calculator
Discover how much house you can afford based on your income, debts, and down payment. Get pre-qualification estimates and see your complete monthly budget breakdown.
Your Financial Info
Your total household income before taxes
Car loans, credit cards, student loans, etc.
Standard loan with competitive rates
Tips to Improve Your Affordability
Understanding Debt-to-Income Ratios
Front-End DTI (Housing Ratio)
This ratio compares your monthly housing expenses to your gross monthly income.
Back-End DTI (Total Debt Ratio)
This ratio includes all monthly debt payments compared to your gross monthly income.
Loan Program Comparison
Lenders may approve higher DTI ratios for borrowers with excellent credit scores, large down payments, or significant cash reserves. These are general guidelines.