Calculators
Mortgage Calculator - How Much House Can I Afford?
Calculate your mortgage affordability with our free calculator. Get accurate monthly payments, interest rates, and home buying budget.
🏠 Smart Home Buying Tips
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28/36 Rule: 28% housing, 36% total debt
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20% Down: Avoid PMI insurance
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Emergency Fund: Keep 3-6 months expenses
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Credit Score: 760+ gets best rates
📋 Lender Standard Guidelines
Gross Income (Lenders Use)
🛡️ Conservative
Housing: 25%
Total Debt: 33%
Total Debt: 33%
⚖️ Moderate (Selected)
Housing: 28%
Total Debt: 36%
Total Debt: 36%
🚀 Aggressive
Housing: 32%
Total Debt: 43%
Total Debt: 43%
Lender Standard: Maximum loan qualification based on bank standards
Your current debt ratio: $500 ÷ $6,250 = 8%
Calculation Method
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For Planning Purposes Only — These calculations are estimates for educational and planning purposes. Always consult with qualified financial professionals before making financial decisions.