Home affordability calculator.
Not what a bank will maximally lend you. What you can carry without wincing every month, using the same 28/36 rule underwriters lean on.
Based on the 28/36 rule with roughly a fifth of the housing budget reserved for taxes and insurance, on a 30-year term. Estimates only, not a prequalification. See our disclosures.
The 28/36 rule, in one paragraph
Lenders like housing costs under 28 percent of gross monthly income, and all debt payments combined under 36 percent. Whichever cap you hit first sets your budget. That's why two households with identical incomes can afford very different homes: the one with a $650 car payment shops in a lower bracket.
Some lenders stretch past these ratios. Just because they will doesn't mean you should; the rule exists because payments that pass underwriting can still ruin your sleep.
Know your range? Get matched.
Two minutes puts your scenario in front of lenders who compete for it.
Get matched