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Home Buying Calculator

How Much Home Can You Actually Afford?

Enter your finances below and get an instant, honest estimate — built on the 28/36 rule lenders use.

Your Financial Profile
$
$
Include: car loans, student loans, credit card minimums, child support. Do not include current rent.
$
6.2%
Advanced options (taxes, insurance, HOA)
1.1%
$
$
Your Affordability Results
Maximum home price (comfortable)
$
Based on 28% housing ratio
Comfortable
Stretch
Aggressive
Est. Monthly Payment Principal, interest, taxes & insurance
$—
Debt-to-Income Ratio
0% 36% ideal 43% max 50%+
Monthly payment breakdown
Principal & Interest
$—
Property Tax
$—
Home Insurance
$—
PMI
$—
Results are estimates based on general lending guidelines and the 28/36 rule. Actual loan approval depends on your credit score, employment history, and lender criteria. Always speak with a licensed mortgage professional before making financial decisions.

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