Home Affordability Calculator

Find out how much house you can afford.

This calculator estimates how much house you can afford. Given information such as your income, monthly debt and down payment, it estimates the maximum home price and monthly payment for which you may qualify.

These estimates are based on the typical lenders' guidelines for mortgage terms and closing costs, and may vary from your actual costs.

Annual Income
Monthly Debt
Down Payment
Interest Rate
Property Tax
Home Owner Insurance
  • Conservative
  • Max House Price
  • Loan Amount
  • Monthly Mortgage Payment
  • Taxes and Insurance
  • Total Monthly Payment

We've allowed a total debt-to-income ratio of no more than 36 percent. And we have assumed a housing payment-to-income ratio of 28 percent for our conservative estimate, and 33 percent for the aggressive one. This calculator is only offered as a planning tool and is not an offer to make a loan of any amount.

Notes: None of the financial information entered in this calculation is retained, giving you the confidence of complete privacy; the affordability calculator assumes a 30-year mortgage term. We provide baseline assumptions that we encourage you to tailor to your personal situation.

* Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.