Home Affordability Calculator

Plan your budget

Estimate what you can comfortably spend on a home using your income, debts, and a realistic monthly payment target. Adjust the inputs to explore different down payments and rates.

We size your budget using a debt-to-income (DTI) limit and include property taxes, insurance, and optional HOA dues. Use it to sanity-check listings before you talk to a lender.

Educational estimate only—actual approval depends on credit, reserves, and property-specific costs.

Estimated max home price

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Estimated monthly housing cost

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Max loan amount

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Housing budget from DTI

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Monthly breakdown

  • Principal & interest$0
  • Property taxes$0
  • Homeowner's insurance$0
  • HOA dues$0

Principal vs. interest by year

Shows how much of your payment goes to principal (equity) versus interest each year over the loan.

Principal Interest

Total principal paid

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Total interest paid

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Interest as % of loan

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