Affordability estimate
Adjust the numbers to fit your scenario.
Adjust monthly income, existing debts, down payment, and rate assumptions to see a directional purchase range. This is not a prequalification.
Monthly gross income
Before taxes. Use combined household income if applicable.
$7,500
$2k$25k
Monthly debt payments
Car, student loans, credit cards — recurring obligations only.
$400
0$5k
Down payment available
Funds available toward the purchase.
$50,000
0$250k
Interest rate
Directional rate assumption.
6.5%
49
Loan term
How many years to repay.
30 years
1030
Assumptions
Uses 28% front-end and 43% back-end DTI guidelines as directional limits.
Taxes and insurance are not modeled individually — reduce the estimate by $200–600/month for carrying costs.
This is not a loan approval, credit pull, or prequalification of any kind.
Real eligibility depends on credit, income documentation, assets, and full underwriting.