Mortgage Affordability Calculator
What will a lender let you borrow? Enter gross income and monthly debts for an estimate.
Affordability calculator
Your numbers
Estimates principal and interest only; property taxes and insurance are not included.
31% front-end · 43% back-end
Auto, student loans, credit cards, etc.
Enter your gross monthly income to see what a lender may approve.
Get officially qualified
A licensed broker can show you what you officially qualify for — in minutes, no credit impact.
NMLS-licensed lendersSecure & confidentialNo credit checkMost approvals in 24 hours
Powered by Mortgage Research Center, NMLS #1907 — Trusted since 2002
Want to plan what you should spend?
Our Home Affordability Budget Planner is a far more detailed tool. See a sustainable range based on a 50/30/20 budget and full payment breakdown (taxes, insurance, mortgage insurance)—as well as the max a lender will approve.
Browse our educational articles to understand each loan type (FHA, VA, USDA, conventional), the implications of making a minimum down payment, mortgage insurance, and more.