How Much Home Can You Afford? Find Out Fast.
A comfortable purchase price isn't the same as the maximum you can qualify for. This tool starts from your income and debts, applies a conservative DTI cap, and works backward to a home price.
Estimate uses a 30-year term and 43% back-end DTI cap. Actual eligibility depends on program, credit, and reserves.
- Be Honest About Debts
- Watch the DTI Cap
- Leave Room for Life
A licensed advisor can turn these estimates into a personalized scenario.
Talk to an advisorHow to Use It
Include gross household income and all monthly obligations that show up on credit.
More down lowers your loan amount and, past 20%, removes PMI.
The number shown is a comfortable maximum. Most buyers land 10-20% below it.
Tips from Our Advisors
Include car loans, student loans, and minimum credit card payments. Everything shows up in underwriting.
Most conventional programs cap total DTI around 45%. Government loans allow more with compensating factors.
The maximum you qualify for isn't always what you should spend. Comfort matters.
Frequently Asked
Ready for a Real Number?
A licensed advisor can pull a real preapproval in about 10 minutes.