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How much home can I afford?

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Annual household income Monthly debt payments Down payment Interest rate (%)

Loan term

State (sets property tax)

Home insurance ($/yr, 0 = auto)

HOA ($/mo)

Lender strictness (debt-to-income limits)

Housing ratio = mortgage payment as a share of gross income. Total ratio adds your other debts.

You can afford a home up to about

$0per month, all in

$0cash to close (down + 3% closing)

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Monthly payment breakdown

Principal & interest

Property taxes

Home insurance

Mortgage insurance (PMI)

HOA

Total

Default rate is a sample rate. PMI applies under 20% down (about 0.5%/yr for good credit). Estimates only; a lender confirms your real numbers. Compare loan types · See all rates