Financial preparation · No credit pull
Calculate a starting point before asking for pre-approval.
A clear tool to organize questions about income, debts, funds, ITIN or Social Security. Only an authorized lender can verify documents and approve a loan.
Educational buying-power estimator
What home range could you discuss with a lender?
Adjust the numbers. The calc combines income, debts, available funds, assumed rate and a total-debt scenario. It does not pull credit or approve loans.
Estimated starting range
$204,595 – $240,700 Illustrative home price$1,870Max monthly housing within scenario
$12,035Approximate down payment at the max
$7,221Illustrative closing reserve (3%)
That shows which question to take to the lender first. Programs, credit, reserves, taxes, insurance, HOA and documents can change the result.
How is it calculated?
Uses a 36% total DTI scenario, subtracts debts and HOA, estimates principal/interest over 30 years, 1.0% taxes, 0.45% insurance, possible PMI and a 3% closing reserve. Editable assumptions — not lender terms.
Privacy: your income, debts and funds are calculated only in your browser and are not sent or stored.