Tools
Home affordability calculator
Start with what you earn and what you owe, then work backward to a price that leaves room for taxes, insurance and life.
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- Housing payment budget
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- Loan amount
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- Principal and interest
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- Property tax
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- Insurance and HOA
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This is a planning estimate based on a target debt-to-income ratio. Lenders also weigh credit, reserves, employment history and the property. A ratio of 43% is a common ceiling, not a target; many buyers are more comfortable below it.
Check the payment on a specific house
Once you have a price in mind, add taxes, insurance and HOA to see the monthly number.
Open the payment calculator