Home Affordability Calculator

Enter your income, debts, and loan details to estimate how much home you may be able to afford.

Your Income & Debts

Car payments, student loans, credit cards, personal loans, etc.

Many lenders use 36–43% as a guideline, but requirements vary by program and lender.

PMI/MIP is automatically estimated if your down payment is under 20%.

Loan & Property Assumptions

You can use a rough annual estimate based on your price range and county tax rates.

Estimated Home Price You May Afford

Maximum Home Price:
$0
Estimated Monthly Payment:
$0
Estimated Down Payment:
$0

Principal & Interest:
$0
Taxes & Insurance:
$0
PMI / MIP:
$0
HOA:
$0
Estimated PMI/MIP Rate:
0%
Resulting Total DTI:
0%

Disclosure: This home affordability calculator is a general guide only and does not determine whether you qualify for a mortgage. Actual approval amounts, interest rates, and monthly payments are set by a licensed mortgage lender based on your full financial profile, credit history, loan program, and current market conditions. Results are estimates and may not include all costs, such as closing costs, prepaid escrows, mortgage insurance, HOA dues, Florida-specific taxes or fees, or charges required by certain loan programs, including FHA mortgage insurance premiums or a VA funding fee. These calculations do not represent a loan application, approval, quote, or commitment to lend. You should speak with a licensed mortgage lender to obtain a personalized pre-approval and to understand exactly what you qualify for, and we strongly recommend doing this before you begin shopping for homes.