How much home can you afford?
Use this free affordability calculator to find out…
Welcome.
Applying for a home loan can be an uncertain experience. This site will let you lightly wade into what it takes to get a mortgage.
Breeze through the slides, answer the questions, and at the end you will see an estimate of how much home you might be able to afford.
We respect your privacy and do not store or sell any personal information entered into this website.
Get started
What’s your ideal monthly mortgage payment?
Estimate your income.
Estimate your annual salary before taxes. Please include anyone else’s salary if they’ll be on the loan. If you’re self employed, average your last two years’ income.
Other monthly income?
For some people, dividends from mutual funds, bonuses, child support or alimony, and SSDI can make a difference. If you have no other income, move the slider to $0.
Do you have credit card debt?
Estimate your total minimum monthly credit card payments. If you pay off your balance every month, move the slider to $0.
Do you have car loans?
Estimate your total monthly car loan payments. Don’t include loans that will be paid off in full in the next six months.
How much is your total outstanding student loan balance?
How much are your total monthly student loan payments?
How much are your existing mortgages?
Estimate your total monthly mortgage payment(s).
What are your plans for your current property?
Will your new home be a…
How much would you like to use for a down payment?
If you’re a qualified veteran, you may not need a downpayment.
In what zip code are you looking to buy?
Mortgages vary depending on your location.
What are your next steps?
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You may buy a house worth: 0
Your monthly mortgage payment will be: 0 
If you make a downpayment of: 0
Based on your input this is an estimate of a loan amount you may be issued by a financial institution. Assistance programs are often available to help with down payments. Loan programs may vary from one lending institution to another. Programs, rates, and terms are subject to change. This is not a professional estimate. This is not an offer to extend credit. Monthly payments are based on a 30 year conventional mortgage with a (insert interest rate here dynamically), APR.
Oops. Based on the input you’ve provided, something has gone haywire in the calculations. It can be as simple as $1 short on your income, or $1 over on your expenses.
We’re here to help. Give us 48 hours and one of our experts will analyze your input and let you know why the calculator didn't provide positive results. Simply enter your email on this screen and we’ll also send you a free report; The Seven Risk Reducing Tactics for any Real Estate Deal.