← Back to all mortgage tools
Affordability calculator
Find a confident purchase-price target.
Back into buying power using real monthly debts, conservative housing assumptions, and DTI guardrails that keep the pre-approval conversation practical.
These calculators are for education and planning only. They are not a loan estimate, approval, commitment to lend, rate quote, or offer to enter into an agreement. Final qualification, pricing, taxes, insurance, HOA dues, PMI, credits, and cash-to-close depend on the full application, property, credit, program, and underwriting review.
Estimated buying power
$620,206
Constrained by your front-end DTI input.
Estimated loan amount
$560,206
Estimated monthly payment
$4,650
Max housing payment
$4,650
Based on the lower DTI limit
Back-end housing room
$5,800
After monthly debts
Cash-needed planning number
$75,505
Down payment plus rough 2.5% closing costs
Want the real answer?
Have Tara's team pressure-test your buying power.
Send the numbers before you write an offer, renew a lease, or refinance. We'll help you turn calculator math into a mortgage strategy.