Buyer Resources
How Much Home Can You Afford?
Get a realistic estimate of the home price that fits your income, monthly debts, and down payment — using the same debt-to-income guidelines lenders use to qualify buyers.
This is an educational estimate to help you start your search with realistic expectations. Your lender's pre-approval is what ultimately determines your exact buying power.
This tool starts from your income and monthly debts and applies the same debt-to-income guidelines a lender uses, so it approximates what you'd likely qualify to borrow — the lender's-eye view. There's also The Price Point Reality Check, which works the opposite way: it starts from a monthly payment you choose yourself, with no income or debt involved, as a quick gut-check before you ever talk to a lender. Both land on an estimated price point — use this one when you want the numbers a lender would actually run; use the Reality Check first if you just want a ballpark to think with.
Estimated Affordable Home Price
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Based on your income, debts, and the loan details you entered.
Est. Monthly Payment
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Down Payment
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Loan Amount
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Press “Calculate My Affordability” to see your full breakdown.
Your Monthly Payment Breakdown
Monthly Payment
Principal & Interest$0
Property Tax$0
Homeowners Insurance$0
HOA Dues$0
Estimated PMI$0
Total Monthly Payment (PITI)$0
Your Debt-to-Income Snapshot
Gross Monthly Income$0
Other Monthly Debts$0
New Mortgage Payment$0
Total Monthly Debt$0
Debt-to-Income Ratio Achieved0%
Chuma Hicks-Reese, REALTOR®
Estimate only, not a loan pre-qualification
This is an educational estimate only, based on the figures you entered and general debt-to-income guidelines. It is not a loan pre-qualification, pre-approval, or a guarantee of financing. Actual affordability depends on your lender's underwriting guidelines, credit profile, other debts, and current rates. Consult a licensed mortgage professional for an accurate assessment.
Ready to see what you can actually afford?
This is an estimate. Let’s talk through your specific numbers, financing options, and the right search strategy for you.
Complete the Buyer Questionnaire