Free Calculator

How much house can you actually afford?

Not what the bank will approve — what actually fits your financial plan. Based on your income, debts, down payment, and current mortgage rates.

Home Affordability Calculator
How much house can you actually afford?
Based on your income, debts, down payment, and the lender rules that actually determine what you qualify for.
Gross Annual Income
Combined household income before taxes
$
Monthly Debt Payments
Car loans, student loans, credit cards — minimums only
$
Down Payment Available
$
Current Mortgage Rate
Check current 30-year rates before using
%
Loan Term
Annual Property Tax Rate
Michigan avg ~1.5%. Check your county.
%
Monthly Home Insurance
$
Lender Standard
Most lenders use 28/36. Conservative uses 25/33.
$0
Max Home Price
$0
Loan Amount
$0
Est. Monthly Payment
0%
Total DTI
Payment Breakdown
Buying a home is one of the biggest financial decisions you'll make.Make sure it fits your full financial plan — not just what the bank will approve.
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