🏠 What Can You Afford?

Enter your numbers to see your monthly payment and max purchase price.

Your Situation

Annual Gross Income

Home Price

Down Payment

Interest Rate

Your rate depends on your credit score. Check yours free →

Loan Term

Annual Property Tax Rate

Monthly Debts (car, student loans, credit cards)

Used to calculate your back-end DTI (43% limit lenders use)

Monthly HOA (optional)

Annual Home Insurance

/ month

Estimated total monthly housing cost

Principal & Interest —

Est. Property Tax —

Est. Home Insurance —

Monthly HOA —

PMI (< 20% down) —

Monthly Debts —

True Cost of This Home

You'll pay a total of

—

over the life of the loan

Purchase price —

Down payment —

Loan amount —

Total interest paid —

💡 Switch to 15-yr: —

DTI Check

—

Maximum Affordable Home Price

— based on 28% housing rule

The lower of two limits: 28% front-end (housing only) or 43% back-end (housing + all debts). Your existing debts reduce how much home you can qualify for.

Year	Principal Paid	Interest Paid	Balance	Equity

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These calculations are estimates for educational purposes only. They do not account for HOA fees, utilities, maintenance, or lender-specific qualification criteria. Contact a licensed lender for a formal pre-approval. Chris Harris is a licensed REALTOR®, not a mortgage lender.