Resources · Affordability Calculator Start with
Start with
the income,
not the listing
The most useful number in home buying is not the price of the house, it is the price you can actually carry. This calculator works backward from your income, debts, down payment and the carrying costs to a realistic range.
Step 1 · Your inputs
Uses the common 28% front-end and 36% back-end debt guidelines. Lenders vary the exact ratios by program and credit profile, so treat the result as a planning range.
Step 2 · Your range
Max affordable price $0
Loan amount $0
Down payment % 0%
Housing budget (incl. HOA) $0
Est. monthly payment $0
Adjust the inputs and the range follows. Your real pre-approval from a lender will confirm the exact number.
The range is the start of the conversation.
Bring this number to a real pre-approval and a value conversation, and you will shop the right houses from the first day, not the fifth weekend.