Your Life Your Home · Financial Planning
Affordability Calculator
Understand what you can comfortably afford before you start shopping. Get a realistic budget based on your income, debt, and monthly expenses.
What You Can Afford
Based on your inputs
Important: Talk to Your Lender
This calculator provides estimates only to help you understand affordability concepts. Your actual loan amount, interest rate, and monthly payment will depend on many factors including:
• Your credit score and credit history
• Your employment and income stability
• Your debt-to-income ratio and other financial obligations
• Current market rates and lender-specific programs
• Property type, location, and appraisal value
• Down payment source and reserves
Always consult with your lender for accurate, personalized numbers and pre-approval. They can help you understand all available loan programs, down payment assistance options, and provide exact calculations based on your specific financial situation. This tool is designed to prepare you for that conversation, not replace it.