What can you afford?

Enter your numbers to see your monthly payment and max purchase price.

Your Situation
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$
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Default: 7.40% (Freddie Mac 30-year average, Oct 15, 2026). Conventional loan with the down payment you enter; PMI applies under 20% down.
Your rate depends on your credit score. Check yours free →
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Used to calculate your back-end DTI (43% limit lenders use)
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$0
/ month
Estimated total monthly housing cost
Principal & Interest —
Est. Property Tax —
Est. Home Insurance —
Monthly HOA —
PMI (< 20% down) —
Monthly Debts —
True Cost of This Home
You'll pay a total of
—
over the life of the loan
Purchase price —
Down payment —
Loan amount —
Total interest paid —
DTI Check

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Maximum Affordable Home Price
— based on 28% housing rule

The lower of two limits: 28% front-end (housing only) or 43% back-end (housing + all debts). Your existing debts reduce how much home you can qualify for.

Year Principal Paid Interest Paid Balance Equity
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These calculations are estimates for educational purposes only. Principal and interest is not the whole cost of owning: the total above adds property tax, insurance, PMI and HOA from your inputs, but not utilities, maintenance or repairs. Assumptions: PMI at 0.8% of the loan per year when the down payment is under 20%, ending when the balance reaches 78% of the price (10% or more down) or kept for the life of the loan under 10% down (FHA-style); if the insurance field is blank, 0.5% of the price per year is used. Lender qualification criteria differ. Contact a licensed lender for a formal pre-approval. Chris Harris is a licensed REALTOR®, not a mortgage lender.