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How much house can I afford?
Lenders answer this with two ratios: how much of your income goes to housing, and how much goes to all debt combined. Here are three price points: what's comfortable, what's standard, and FHA's standard ratios for a manually underwritten loan. None is a hard limit: lenders can approve higher ratios with compensating factors or through automated underwriting.
Your finances
INCOMEBefore tax, household total.
Car loans, student loans, credit card minimums, child support.
The other costs
HOUSINGAnnual, as a percent of the home's value.
Charged while the loan is above 80% of the price. Leave it blank and we use a typical rate for your loan-to-value; A VA loan carries no monthly mortgage insurance, so enter 0. A USDA loan carries an annual fee instead, which counts in the payment: enter its rate here.
Enter your gross monthly income to see what you can afford.
All four happen in your browser. Your figures are not sent anywhere — the email opens in your own mail app, already filled in.
Related calculators
What's my debt-to-income ratio?
Your front-end and back-end ratios, how conventional, FHA, VA and USDA guidelines count them, and VA residual income.
What's my mortgage payment?
Estimate your monthly payment including principal, interest, taxes, insurance, and PMI.
Should I use FHA or conventional?
Compare FHA mortgage insurance against PMI, and find the 90% line that decides whether it ever comes off.
Should I rent or buy?
Compare the true cost of renting and buying over 5, 10, and 30 years.