How much house is comfortable?
Lenders will tell you the most you can borrow. This tool answers a better question: what price keeps your months livable? It uses a conservative 36% debt-to-income budget.
Your results appear here
Enter your income, debts, and savings, then press Calculate.
Why this runs conservative
Plenty of programs approve debt ratios well above 36%. We start you at 36% because a mortgage you never think about is worth more than a bigger one you do.
Your real ceiling depends on things a slider can't see: how your income is documented, your credit profile, the program, and the property taxes where you're shopping. Those can move the answer meaningfully in either direction.
Treat the result as a starting range. When you're ready, a review replaces the assumptions with your actual file. It's free, and it uses a soft pull only.
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Numbers looking interesting?
A calculator can’t see your file. A personalized review checks your actual numbers against real lender guidelines. Free, no hard pull, and honest about whether the math works.
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We'll turn this estimate into a real pre-qualification range.
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