Find out how much home you can afford based on your income, debts, credit score, and down payment. Get personalized estimates for your homebuying journey.
Enter annual household income, monthly debt payments, your available down payment, and a credit score. Choose an interest rate and loan term, then enter yearly property taxes and home insurance. Use realistic amounts from your own budget rather than treating the starting values as recommendations.
The calculator divides income into monthly amounts and applies a score-based debt-to-income allowance. It subtracts existing debts, taxes, and insurance to find a housing budget. A fixed-payment loan formula converts that budget into a loan amount, including estimated mortgage insurance when the down payment is below one fifth of the home price. Your down payment is then added to estimate a home price.
These are estimates only, not a preapproval or loan offer; lenders decide eligibility and terms. The score-based rate adjustments and debt limits are simplified assumptions, not underwriting rules. Closing costs, association dues, maintenance, and other household spending are not included.
No. A national average may prefill the rate, and the tool applies a score adjustment. Your actual quote can differ.
It combines estimated principal, interest, property taxes, home insurance, and applicable mortgage insurance.
Not necessarily. Compare it with your complete budget and discuss affordability with a lender before making financial commitments.
Get Free Consultation or call 1-877-782-7839.
Consumers are protected by several federal laws when dealing with credit reporting issues related to credit education:
You may file complaints with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC).
Reviewed by Hemminger Law Firm, Consumer Rights Attorneys | Last reviewed: January 1, 2026
Before you shop for a home, see the exact TransUnion FICO 4 score underwriters will pull. Fix what's holding it back, then buy with confidence.
Soft inquiry only — checking never hurts your credit. No credit card required.
Credit repair starts with knowing what is actually being reported. Credit1Solutions combines your credit information, educational tools, document organization and self-service technology in one connected experience.