How Much Home Can I Afford?

Estimate your buying power from income, debts, down payment, rate, taxes and insurance.

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Your numbers

Loan type

Annual gross income

Co-borrower annual incomeOptional

Other qualifying income (annual)Optional

Total monthly debt payments

Available cash

Down payment

Interest rate

Loan term (years)

Property tax (annual)

Homeowners insurance (annual)

HOAOptional

$/mo

DTI assumptions in use

Housing 28% · Total 36% (conventional). DTI limits vary by loan program, credit profile, lender guidelines, automated underwriting findings, cash reserves, compensating factors, and other borrower qualifications. Some buyers may qualify with higher ratios.

Results

Estimated maximum qualification

$288,813

Comfortable

Recommended comfortable range

$208,667 – $245,491

The estimated maximum is not necessarily what you should spend.

Gross monthly incomeCalculated$6,833

Max estimated housing paymentEstimated$1,913

Estimated loan amountEstimated$231,050

Estimated down paymentCalculated$57,763 (20%)

Cash required (incl. est. closing)Estimated$66,427

Remaining cash reservesCalculated$23,573

Estimates are for educational purposes only and do not constitute a loan approval, pre-qualification, or lending commitment. Actual qualification depends on lender guidelines, credit, income, assets, debts, loan program, property details, and underwriting.

Assumptions

Closing costs estimated at 3% of price (assumed). Configurable DTI limits: 28% housing / 36% total. PMI and flood insurance not included.

Estimates are educational illustrations only — not mortgage approval, guaranteed qualification, or a loan offer. Requirements vary by lender and loan program. Yezid Beltran LLC, REALTOR® is a real estate education resource, not a lender, mortgage broker or credit-repair company.