Free Tool
Estimate the home price and loan your income can support. Enter your income, monthly debts, down payment, and rate — the calculator works backward from a 43% debt-to-income target to a realistic price range.
Estimate only — assumes taxes + insurance near 1.5% of price/yr. Actual approval depends on credit, program, and lender.
Lenders cap your total monthly debts — including the new mortgage — at a share of your gross income, the debt-to-income (DTI) ratio (commonly 43%). We take that maximum, subtract your existing debts and an estimate for taxes and insurance, and convert what's left into the largest loan (and price) you can support.
Ready to turn a number into a pre-approval? Get pre-qualified in about 60 seconds — no SSN, no credit pull to start. First-time buyer? See California first-time buyer programs, or estimate your payment with the mortgage payment calculator.
A common rule is that your total monthly housing payment plus other debts should stay under about 43% of your gross monthly income (your debt-to-income ratio). This calculator uses your income, monthly debts, down payment, and rate to estimate the maximum home price and loan you can support.
Most lenders look for a back-end DTI (all monthly debts including the new mortgage) under roughly 43%, though some programs allow up to 50%. A lower DTI means you can afford more house. This calculator defaults to 43% and lets you adjust it.
It depends on the price, your down payment, debts, and rate. Because California home prices are high, affordability often hinges on your down payment and DTI more than income alone. Use this calculator to work backward from your income to a realistic price range.
Yes. A larger down payment lowers your loan amount and monthly payment, so the same income supports a higher purchase price. It can also help you avoid PMI at 20% down. Adjust the down payment field to see the effect.
A quick pre-qualification turns this estimate into a real number — free, no obligation, no credit pull to start.