Home buying

How much house can I afford?

Turn your income and monthly debts into a home-price planning budget, then see how down payment, rates and local costs change it.

Your next money question

Put your result to work

Explore your mortgage payment →

Carry this home budget into a detailed loan-type and PITI comparison.

Plan your down-payment savings →

Choose a target and compare the time needed to save it.

Check your take-home income →

See how estimated taxes and benefits affect your budget.

How to use this calculator & common questions

Start with a monthly housing budget

The calculator uses the smaller of your housing-income budget and your total-debt budget after other debt payments. It then accounts for principal, interest, property tax, insurance, PMI and HOA dues to estimate a purchase price.

The starting 28% housing and 36% total-debt ratios are editable planning choices. Approval depends on the lender, loan program, credit and other factors. Keep room for utilities, maintenance, savings and closing costs.

Does the state determine my exact property tax?

No. It supplies an editable planning rate. County assessments, exemptions and local tax rules can change your bill.

Is this a loan approval?

No. This tool solves a budget using your assumptions. It does not assess credit, verify income or check loan-program eligibility.

Keep planning

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