Home-buying calculator

How much house can I afford?

Enter your annual household income, debts, down payment and estimated housing costs. See a planning estimate for home price and a monthly payment breakdown.

Your numbers

These 28%/36% limits are common planning rules, not eligibility guarantees. Adjust as needed. Closing costs and cash reserves are not included in your down-payment field; set that amount aside separately.

Important: Your mortgage payment is usually more than principal and interest. Property taxes, insurance, private mortgage insurance when applicable and HOA fees can materially increase the total. Actual affordability also depends on your credit, interest rates, loan type, lender requirements and savings for emergencies and closing costs.