HOME AFFORDABILITY CALCULATOR
How much home could fit your budget?
Enter your income, monthly debts and down payment to see an estimated home-buying range and what your monthly housing payment could look like.
Your Finances
Adjust any value - your estimate updates instantly.
Total yearly income before taxes for everyone on the loan.
Car, student loan, credit card and other monthly payments.
Estimated Home-Buying Range
$XXX,XXX - $XXX,XXX
- Estimated Loan Amount
- $XXX,XXX
Estimated Monthly Housing Payment
- Principal & Interest
- $X,XXX
- Property Taxes
- $XXX
- Homeowners Insurance
- $XXX
This is an estimate, not a loan approval or a guaranteed amount. It uses the standard 28/36 (lower end) and 31/43 (upper end) debt-to-income guidelines and the information you enter. Actual loan amounts and payments depend on a full review of your loan details, property and finances.
UNDERSTANDING YOUR ESTIMATE
What shapes your home affordability
How the estimate works
Your income, monthly debts, down payment and estimated housing costs are combined to show a possible price range - a starting point for planning.
What affects affordability
Income, existing debts, savings for a down payment, interest rate, loan term and ongoing housing costs all shape the range.
Income and monthly debts
Higher income can widen the range, while recurring payments like car or student loans leave less room for a housing payment.
Down payment and buying power
A larger down payment means borrowing less, which can raise the price range for the same monthly payment.
Interest rate
A lower rate puts more of each payment toward the home itself. Even small rate changes can move the range.
Taxes, insurance and HOA
These costs are part of your monthly housing payment, so higher taxes, insurance or HOA dues can lower the range.
Affordability vs. mortgage approval
This calculator gives an informational estimate based on the numbers you enter. It doesn’t review credit, documents or loan-program guidelines, and it isn’t a loan decision. To explore your actual options, talk with the EZ Mortgage team or start your application.
RELATED TOOLS
Looking for a different estimate?
Mortgage Calculator
Estimate your monthly mortgage payment based on price, down payment, rate and other housing costs.
QUESTIONS
Home affordability FAQ
No. It’s an informational estimate based on the numbers you enter. Your actual loan amount depends on a full review of your loan details, property and finances.
Typically car loans, student loans, credit card minimums and other regular monthly obligations. Rent and everyday living costs are not usually included.
Yes. Property taxes, homeowners insurance and any HOA dues are part of the monthly housing payment used to estimate your range. Adjust them under Advanced Options.
Talk with the EZ Mortgage team or start an application. We review your full financial picture to discuss real loan options.
FAQ copy is a design placeholder pending EZ product/legal review.
QUESTIONS
Home affordability FAQ
The range uses two commonly cited debt-to-income guidelines: 28/36 for the lower end and 31/43 for the upper end. Your housing payment is limited to a share of your gross monthly income, and your housing payment plus other monthly debts is limited to a larger share. The calculator then works out the loan amount and home price that payment could support at your rate, term, taxes, insurance and HOA dues. These are general guidelines, not EZ Mortgage underwriting rules, and the result is an estimate, not a loan approval.
No. It’s an informational estimate based on the numbers you enter. Your actual loan amount depends on a full review of your loan details, property and finances.
Typically car loans, student loans, credit card minimums and other regular monthly obligations. Rent and everyday living costs are not usually included.
Yes. Property taxes, homeowners insurance and any HOA dues are part of the monthly housing payment used to estimate your range. Adjust them under Advanced Options.
Talk with the EZ Mortgage team or start an application. We review your full financial picture to discuss real loan options.
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