Affordability Calculator

What you can afford, not just what you'll be approved for.

A lender can approve a payment you'd hate living with. This shows three numbers side by side: comfortable, stretch and the lender's ceiling. Plan around the first one.

Your finances

$30K$400K
$0$4K

Car, student loans, card minimums, child support. Not rent or utilities.

$0$200K
4%9%
Florida costs
0.6%2.2%
$1K$10K
$0$800
Comfortable home price
$0
Monthly housing payment
$0
Loan amount
$0

Test a specific price

0%36% comfortable43% stretch60%

Want your real number?

I'll pre-approve you on your actual credit and income, including Florida insurance and any CDD, so you shop in the right range.

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How this works: "Comfortable" keeps total housing near 28% of gross income and all debts near 36%. "Stretch" allows 33% and 43%. "Lender max" uses 45% total debt, which some programs allow with strong compensating factors. Mortgage insurance is estimated at 0.5% of the loan per year when you put less than 20% down. This is an estimate for planning, not a pre-approval, rate quote or commitment to lend. All loans subject to credit approval and underwriting guidelines. Rates and terms are subject to change without notice.