Affordability Calculator

See the maximum purchase price your income and debts support under each loan program's qualifying ratios.

Income

Gross income (monthly)Before taxes. Use income likely to continue for 3+ years.$

Monthly debts

Auto loans$Student loans$Credit cards$Other payments$

Loan terms

Down payment%Interest rate%Loan termHOA dues (monthly)$Property tax (yearly)%Homeowners insurance (yearly)%

You could afford up to

$506,194

Maximum housing payment: $3,700/mo
Loan amount: $455,575
Principal & interest: $2,880
Property taxes: $464
Insurance: $148
Mortgage insurance: $209
HOA dues: $0
Debt-to-income: 50.0%
Conventional max DTI: 50%

Down payments below 20% typically require mortgage insurance. Conventional minimum down payment is 3%. Estimates only — not a commitment to lend.

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These estimates are a starting point. Send your scenario over and David will return a custom breakdown with live pricing, program options, and a written pre-approval path.

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