Find your real price range, starting from income or a target payment.
Two ways in: enter income and debts and let debt-to-income math set the budget, or name the monthly payment you want and work backward to a price. HOA and condo fees included, with a comfort meter that shows safe versus stretched.
Minimum payments on car loans, student loans, credit cards, and personal loans, plus child support. Skip rent, utilities, and groceries.
Dollars or a percent of the price. 20% or more skips PMI.
If the homes you're looking at carry dues, they come off your budget first. Leave 0 if not.
Estimated buying power
$606,205
≈ $3,900/mo on a 30-yr fixed at 6.74%
- Principal & interest
- $3,142/mo
- Property tax (est.)
- $556/mo
- Home insurance (est.)
- $202/mo
- Supports a loan of about
- $484,964
- Plus your down payment
- $121,241
Rule-of-thumb estimate on a 30-year fixed with typical taxes, insurance, and PMI when the down payment is under 20%. Many programs qualify higher or lower. A two-minute conversation gives you a real number. Not a pre-approval.
Numbers look good? Make them real.
These are honest ballparks built on national averages. Your real quote comes from lenders competing for your actual file, and getting it costs nothing.
Straight answers
How do HOA or condo fees change what I can afford?
Dollar for dollar. A $300 monthly HOA fee is $300 of housing budget that cannot go toward the loan, which lowers the price you can support by tens of thousands. That is why this calculator has a field for it. If you are shopping condos or planned communities, do not skip it.
How much house can I afford on my income?
Lenders answer with debt-to-income ratio: your monthly debts, including the new mortgage, measured against your gross monthly income. This calculator runs the same math and shows a range, because the right answer depends on your other debts, your down payment, and today's rates, not a one-size rule of thumb.
What counts as monthly debt?
The payments on your credit report: car loans, student loans, credit card minimums, personal loans, and any other mortgages. Utilities, groceries, and subscriptions do not count in the ratio, which is exactly why the max a lender allows can feel like more than a comfortable budget.
Should I buy at the maximum I qualify for?
Usually not, and we will be the first to say so. Qualifying and living comfortably are different numbers. That is why this calculator has a comfort meter instead of just a ceiling. When we run your real pre-qualification, we talk about both.
Two minutes. No obligation. Real numbers.
Turn the range into a real pre-qualification your offers can lean on.
Guthix Lending • NMLS# 2672037 · Calculator results are estimates for illustration only, based on your inputs and national average rates. They are not a quote, a pre-approval, or a commitment to lend. Your actual rate, payment, and eligibility depend on your full application, credit, and property. Not all borrowers will qualify.