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House Affordability Calculator

Get a rough estimate of how much house you can afford based on your income, debts, rate, and down payment. This tool is for planning, not final approval.

Before taxes, for your household.
Include car loans, credit cards, student loans.
Approximate rate you expect.
Common terms: 15, 20, or 30 years.
Cash you plan to put down at closing.
If unsure, use 1–1.5% of home price as a guess.
Estimate or average for your area.
Only for condos or communities with fees.

Your Estimated House Affordability Range

This is a planning estimate only. Lenders may approve more or less based on your full profile, loan program, and local costs.

Assumptions: Housing payment targeted using 28% front-end and 36% back-end debt-to-income guidelines. Loan amount estimated from a fixed-rate mortgage with the rate and term you entered. Taxes, insurance, and HOA are included as part of your housing payment.

Next Step

Build the financial foundation that gets you to closing

Knowing your number is step one. The Life Stages hub shows you how to build the credit, savings, and debt profile that turns this estimate into an approval.

Build the Foundation →

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