How much home do you qualify for?
Enter your income, debts and savings. We apply the debt-to-income limits lenders actually use, at today’s live rates, with your state’s property taxes and insurance built in.
Annual income (before taxes)
Everyone on the loan combined: salary, bonuses, steady side income.
Monthly debt payments
Car, student loans, credit card minimums, personal loans, child support. Not rent, utilities or phone.
Down payment saved
Cash available for the down payment. Grid cells needing more than this are faded. Keep some aside for closing costs (about 2–5% of the price).
Credit score
State
Property type
HOA fees per month
Lenders would likely approve a home up to
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Max home price by down payment and loan type, with the cash that down payment takes
under it. Click a cell to see its monthly breakdown. Faded cells need more cash than you’ve saved.
The % under each loan type is its debt-to-income limit at this level.