Run the numbers with confidence
Estimate your monthly payment or find out how much home you can comfortably afford — instantly, with no signup and no impact to your credit score.
What will my payment be?
Adjust the price, down payment, rate, and term to see a full payment breakdown including taxes, insurance, and PMI.
Estimate your monthly payment
- Principal & interest
- Property tax
- Home insurance
- Mortgage insurance (PMI)
- HOA dues
Estimate only · No impact to your credit score · Takes 2 minutes
How much home can I afford?
Enter your income, monthly debts, and down payment to estimate a comfortable price range based on common lending guidelines.
How much house can you afford?
Estimate based on common 28%/36% debt-to-income guidelines. Your real budget depends on credit, program, and full underwriting.
Know your real number in minutes · No credit impact
These are estimates — not a quote or a commitment to lend.
Calculators use general assumptions and don't reflect your full financial picture. Your actual rate and payment depend on your credit, the loan program, the property, and full underwriting. For a real, personalized number, talk to one of our licensed loan officers — it's free, and there's no impact to your credit score to get started.
Questions about the numbers
How much do I need for a down payment?
It depends on the loan. Conventional loans can go as low as 3% down, FHA loans as low as 3.5%, and VA and USDA loans may allow 0% down for eligible buyers. We’ll help you weigh down payment size against your monthly payment and any mortgage insurance.
What credit score do I need to qualify?
Many programs accept scores in the low 600s, and some government-backed loans go lower. A higher score generally earns you a better rate. If your score needs work, we can outline a few practical steps to strengthen it before you apply.
What are closing costs and how much should I expect?
Closing costs cover things like lender fees, title insurance, appraisal, and prepaid taxes and insurance. They typically run about 2% to 5% of the loan amount. We provide a clear estimate up front and look for ways to reduce them, including possible seller or lender credits.
Should I choose a fixed-rate or adjustable-rate mortgage?
A fixed-rate loan keeps the same interest rate for the life of the loan, giving you predictable payments. An adjustable-rate mortgage starts lower but can change after an initial period. The right choice depends on how long you plan to stay in the home and your comfort with future rate changes.
How much home can I afford?
A common guideline keeps your total housing payment around 28% of your gross monthly income, but the real answer depends on your debts, down payment, and goals. We’ll help you set a comfortable budget so your payment fits your life — not just the maximum a lender will approve.
Ready to turn estimates into a real plan?
Get a fast, no-obligation pre-approval and see what you qualify for. It only takes a couple of minutes — and there’s zero impact to your credit score.