How Much House Can I Afford?
Use our affordability calculator and guides to understand your budget, monthly payments, and what you can qualify for.
28%
Front-end DTI (housing)
36%
Back-end DTI (housing + debt)
10–20%
Typical down payment
2–5%
Closing costs (est.)
Helpful links
Understand your budget
Lenders typically look at your income, debts, and credit to determine how much you can borrow. We explain debt-to-income ratios, down payment requirements, and how to improve your chances of approval. Knowing your numbers upfront helps you shop within your means.
Monthly Payments & Total Cost
Your monthly payment isn't just principal and interest—it often includes taxes, insurance, and sometimes HOA fees. Use our affordability calculator to see your max price, then the mortgage calculator to estimate payments for different price points and loan terms. We also cover closing costs so you're prepared for the full picture.
Next steps
Once you have a price range in mind, search properties that fit your budget, explore neighborhoods with our area guides, and connect with verified agents who can help you find the right home and guide you through financing.
Ready to get started?
Browse listings, use free tools, and connect with verified agents when you are ready.