How Much House Can I Afford?

Your Buying Power.
Clear and Simple.

See how income, monthly debt, and estimated housing costs may shape your buying power.

Every real plan starts with an honest baseline. Play with the numbers to explore what's possible for your future. Keep in mind, this is an educational tool to help you prepare, not a formal pre-approval.

Affordability Scenario Planner

Start with three simple numbers. We’ll use reasonable planning assumptions for everything else.

iYour total yearly income before taxes. Include a co-borrower’s income if you plan to apply together.
iAdd the minimum monthly payments for car loans, student loans, and credit cards. Do not include rent, groceries, utilities, phone, or insurance.
iIf you know it, enter the amount of cash you may want to use toward the down payment and closing costs. Leave this blank if you are unsure.

Calculated Results

Est. Max Home Price $0
Estimated Loan Amount $0
Estimated Monthly Housing Payment $0
P&I + estimated tax, insurance, mortgage insurance, and HOA

How Much Cash Do You Need to Buy a Home at $0?

Let's turn these estimates into a real strategy. Send us your snapshot to see exactly what this looks like in today's market.

More Calculators

Want to fine-tune the estimate? Adjust the rate, down payment, HOA, and other details.

iEstimated interest rate.
iA 30-year loan generally has a lower monthly payment. A 15-year loan is paid off faster but usually has a higher monthly payment.
iPlanning assumption only. Change this to compare different down payment structures.
iThe percentage of gross monthly income used for the estimated housing payment plus monthly debts. Actual underwriting limits vary.
iOnly applies if the home has an HOA.
iEditable planning estimate applied to the calculated home price. Actual taxes vary by property.
iEditable planning estimate. Actual premiums vary by property and coverage.
iEditable estimate applied to the loan amount. Enter 0 when mortgage insurance does not apply.
iUsed only to estimate total cash needed. Actual closing costs and credits vary.
WHY THE PLAN MATTERS

A Better Plan Starts With
Understanding Your Moment.

Life taught us that you cannot build the right plan without first being honest about where you are, what you want, and what you are working with.

The numbers are part of that process—but they are not the whole story. The right plan must fit your goals, your circumstances, and the life you are trying to build.

That is why we start with your moment—not just your mortgage.

We’ll help you understand the numbers, explore what may be possible, and take the next step with a clearer plan.

Your numbers help define the plan.

Your goals determine where it should take you.
Tell Us Your Goals Get Started

Email Your Snapshot

Send us your snapshot. We’ll go over the numbers with you and help you understand what may be possible.

IF WE’RE AWAKE, WE’LL ANSWER.

Buying a home starts with an honest conversation and realistic goals—then a real plan.

Our approach is different. It isn’t for everyone, and we’re okay with that.

Tell us what you’re trying to accomplish, and we’ll help you build the plan to get there.