Free Tool
How Much Home Can You Afford?
Enter your income, debts, and down payment to get a realistic picture of your buying power.
Best for: first-time buyers figuring out their budget before house hunting
Car payments, student loans, credit cards, etc.
Today's avg rate via MND
Typical for the state above. Edit it if you know the actual rate.
You Can Afford Up To
$0
with $50,000 down
Monthly Breakdown at Max Price
How this is calculated
Uses the 28/36 rule: your housing costs shouldn't exceed 28% of gross income, and total debts shouldn't exceed 36%. The lower of the two limits determines your max price.
*Estimate only. Actual approval depends on credit score, loan type, and lender guidelines.
Buying in California? Property taxes are more nuanced than this flat estimate. See what new homeowners need to know about Prop 13, Mello-Roos, and the supplemental tax bill →
Want to Know Your Exact Budget?
This calculator gives a ballpark. I can give you a precise pre-approval based on your full financial picture — in as little as 15 minutes.
Get Pre-Approved — It's Free →