A Clearer Picture Of Your Next Move

Home financing
calculators.

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Start With Your Budget

Affordability calculator

Use income and monthly debts to explore a home price that fits your chosen limits.

Annual household income ($)Gross income before taxes.Available down payment ($)Keep closing costs and emergency savings separate.Other monthly debts ($)Credit cards, auto and student loans; exclude housing costs.Interest rate (%)Illustrative fixed rate, not a current quote. Use the note rate, not APR.Loan term (years)Fully amortizing fixed-rate loan.

Taxes, insurance & other costs

Annual property tax rate (%)Example only: applied to price. Verify the property’s tax estimate and exemptions.Annual homeowners insurance ($)Use an insurer’s quote when available.Monthly HOA dues ($)Monthly mortgage insurance ($)Enter a lender’s estimate if required. Zero excludes it; no automatic PMI calculation.

Your budget limits

Housing share of gross income (%)The portion of your monthly income before taxes set aside for housing. This includes principal and interest, property taxes, homeowners insurance, HOA dues, and any mortgage insurance you enter. Example: at $10,000 gross monthly income, a 30% limit allows $3,000 per month for these housing costs.Total debt share of gross income (%)The portion of your monthly income before taxes set aside for housing plus other debt payments, such as auto loans, student loans, and credit card minimums. Example: a 50% limit on $10,000 income allows $5,000 for all these payments. With $1,000 in other monthly debts, $4,000 remains for housing.

The calculator uses whichever housing allowance is lower. In the examples above, it would use $3,000—not $4,000. The starting values of 28% and 36% are adjustable planning assumptions, not lender qualification rules. Gross income is before taxes, so also leave room in your take-home budget for utilities, food, maintenance, savings, and other living costs.

Understand your estimate

These tools illustrate a fully amortizing, fixed-rate loan. Results are planning estimates, not a loan offer or preapproval. Sample values are not current rates, local averages, or property-specific quotes. Actual eligibility, payments, taxes, insurance, and fees depend on the property, lender, and loan program.

The affordability estimate finds a price whose monthly principal, interest, taxes, insurance, HOA dues, and entered mortgage insurance fit your selected income limits. It does not assess credit, reserves, program limits, or minimum down payment requirements. It excludes closing costs, utilities, maintenance, and other living expenses; leave room for those in your budget. Tax and insurance costs may change over time.

Mortgage insurance is entered manually and is not automatically added below 20% down or removed later. Government-backed loan fees and financed closing costs are not modeled. When the purchase uses no loan, mortgage insurance and principal-and-interest costs are zero.

Learn more: CFPB Loan Estimate guide · Freddie Mac’s affordability guide.

Mortgage calculator

Affordability calculator

Understand your estimate