How much home can I afford?
Enter your income, monthly debts and down payment. You’ll see a price range based on how lenders measure affordability, from a comfortable payment up to what many loan programs allow.
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Before taxes, for everyone on the loan.
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Car, student loans, minimum card payments. Not rent.
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California’s base is 1%, plus local fees.
Loan term
Monthly costs
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Get a quote or use your best estimate.
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Enter your income, interest rate and home insurance to see your price range. Add your debts and down payment for an accurate number.
Your price range
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Is the most you can borrow the right amount to spend?
A lender’s limit and a comfortable budget aren’t the same thing. Here’s what I’d look at with you:
- What do you want left over each month? Savings, travel and retirement all come out of the same paycheck as your mortgage.
- How much cash will you have after closing? Reserves matter to lenders, and they matter to you in your first year in a new home.
- How is your income counted? Bonus, commission and self-employed income are figured differently, and getting it right can change your range.
I’ll help you find a price that fits the life you want, not just the number a lender approves.
This calculator is an educational tool. Results are estimates based on the numbers you enter and common debt-to-income guidelines. They aren’t a pre-approval, an offer of credit, a quote of any rate or terms, or a guarantee that you’ll qualify. Property tax, insurance and mortgage insurance amounts are estimates. Not a commitment to lend. All loans subject to credit and underwriting approval. Restrictions apply. Fiona Bryan, NMLS #1812932, Empire Home Loans.