Mortgage calculator
How Much Can I Afford?
Based on standard debt-to-income guidelines, estimate the maximum home price and monthly payment that fit your budget.
Your numbers
Cars, student loans, card minimums
Percent of home value
Housing costs ÷ income (28% is typical)
All debts ÷ income (36% to 43%)
Estimated maximum home price
$278,673
With $20,000 down and a $258,673 loan
Maximum monthly housing payment
$1,983
Principal & interest
$1,635
Plus about $348 taxes and insurance
This uses the standard 28/36 guideline. Many programs allow higher ratios, especially FHA and VA loans, and strong credit or reserves can stretch further. The best way to know your real number is a free pre-qualification. Start here.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment or financial advice. We cannot guarantee their accuracy or applicability to your circumstances. Results are estimates only and are not a loan offer or commitment to lend.
Want real numbers instead of estimates?
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