Mortgage Calculator

How Much House
Can You Afford?

See your estimated price range based on your income, debts, and down payment. Get a clearer picture of what might work for your budget.

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Affordability guideline

Typical: 31% housing / 43% total debt | Expanded: 40% housing / 50% total debt

Your Finances

Enter your income, down payment, and loan details to see how much home you may be able to afford.

Include taxes, insurance & HOA

Monthly Debts

Include your recurring debts to get a more accurate estimate.

Keep in Mind

This calculator uses general debt-to-income guidelines to estimate potential buying power. The Typical Estimate uses 31% housing and 43% total debt. The Expanded Estimate uses up to 40% housing and 50% total debt.

Results are for illustrative purposes only and do not constitute prequalification, preapproval, or a commitment to lend. Actual eligibility and purchasing power depend on verified income, assets, credit, debts, property expenses, loan program requirements, and underwriting findings.

Property taxes, homeowners insurance, mortgage insurance, and HOA dues are based on the amounts entered and may vary by property and location.

What This Calculator Shows

A Clearer Picture of Your Buying Power

Understand how your income, debts, and down payment work together to determine what you may be able to afford.

  • Estimated Price Range

    See a realistic range based on today's rates and your financial profile.

  • Monthly Payment

    Understand what your estimated monthly payment may look like.

  • Debt Impact

    See how your existing debts affect your buying power.

  • Plan with Confidence

    Use this as a starting point to explore loan options with our team.

Ready To Take The Next Step?

Get a Personalized Analysis

Talk with Julie about your goals, income, and local market to find the best options for your situation.

Request a Personalized Quote

Your information is kept confidential.

Send these numbers

We’ll email this estimate to you, and Julie will receive a copy in case you’d like a second look.