U.S. Finance Planning Tool

Mortgage Affordability Calculator

Estimate a planning home-price range from income, monthly debts, down payment and a user-selected debt-to-income assumption.

FreeInstant resultsTransparent assumptions

Adjust assumptions

Mortgage Affordability Calculator

USD $

Gross annual household income

Other monthly debt payments

Available down payment

Planning mortgage rate

Loan term

years

Planning total DTI

Property tax assumption

%/yr

Homeowners insurance assumption

$/yr

HOA dues

$/mo

Primary estimate—

Adjust the assumptions to see your planning estimate.

Methodology

How this calculator works

This calculator uses transparent planning assumptions shown in the inputs. Change the assumptions to test scenarios before comparing them with official lender, insurer or contractor disclosures.

Important: Planning estimate only. A lender determines affordability and approval using its underwriting rules, verified income, debts, credit profile, reserves, taxes, insurance and other factors.

Learn before you decide

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