Free Home Budgeting Tool
Mortgage Affordability Calculator
Estimate what home price fits your income, debts, down payment, taxes, insurance, and monthly comfort level before you talk to lenders.
What this helps you do
- See a realistic home price range, not just a lender maximum.
- Understand how taxes, insurance, HOA, and PMI change the payment.
- Spot when your budget is getting tight before you commit.
Your Numbers
Adjust the sliders to match your current situation.
Annual Gross Income$80,000
Monthly Debt Payments$400
Down Payment$20,000
Interest Rate6.75%
Loan Term
Property Tax Rate1.10%
Annual Insurance$1,200
Monthly HOA$0
Your Results
Use this as a planning guide, not a lender approval.
Adjust the sliders and the calculator will update your affordability estimate automatically.