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How much home can I afford?

Start from your income and debts, pick a comfort level, and see a realistic price range in seconds.

Comfort level
Taxes, insurance, HOA and PMI

Applied under 20% down.

Estimated home price you can afford

$430,500

Housing payment $3,363/mo · loan $395,500

Monthly payment breakdown. Use the arrow keys to move between parts.
  • Principal & interest$2,43572.4%
  • Property tax$39511.7%
  • Homeowners insurance$2677.9%
  • Mortgage insurance$1815.4%
  • HOA or CDD$852.5%
Principal and interest
$2,435
Down payment share
8.1%

Under 20% down: expect mortgage insurance, or ask about VA and USDA if eligible.

Start my application

For illustration only, based on a fixed-rate loan and your chosen debt-to-income level. Actual approval depends on credit, program and underwriting. Not a loan offer.

Debt-to-income

Housing payment and total debts as a share of gross monthly income, against common guidelines.

Debt-to-income: housing 36.0% and total 43.0% of gross monthly income, against 28%, 36% and 43% guidelinesHousing ratio (front-end)36.0%✕ Above 36% of gross incomeTotal debt ratio (back-end)43.0%! Above 36%, inside the 43% maximum28%36%43%
Your price range

What each comfort level buys. Your pick is highlighted.

Affordable price by comfort level: Conservative $331,000, Balanced $430,500, Stretch $517,300Conservative (28% housing, 36% total)$331,000Balanced (43% of income)$430,500Stretch (50% of income)$517,300Your down payment

How to read your result.

  1. Debt-to-income ratio

    Lenders compare your total monthly debts, including the new housing payment, to gross monthly income. 43% is a common comfortable ceiling.

  2. Comfort beats maximum

    The conservative setting leaves room for childcare, retirement savings and Florida's summer electric bills.

  3. Taxes and insurance matter

    Every $100 a month in taxes, insurance or HOA reduces your buying power by roughly $15,000 at sample rates.

  4. Down payment stretches price

    Savings add directly to price, and 20% down removes conventional mortgage insurance entirely.

Calculator questions.

Still wondering about something specific? Text or call and you will hear back from Marcus, usually within two hours.

Call (407) 555-0113Browse every FAQ

Minimum payments on car loans, student loans, credit cards, personal loans and child support. Do not include utilities, phone bills or insurance.

Some programs allow it with strong credit and reserves, but it leaves little breathing room. I usually suggest planning closer to 43%.

Use gross income, before taxes and deductions. Self-employed borrowers should talk to me, because qualifying income is calculated differently.

Marcus Bell

A note from Marcus

Get real answers in twenty minutes.

No credit pull, no pressure. Bring your questions and leave with a clear plan and real numbers.

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4.9 rating from 612 borrowers (sample)

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