How Much Home Can You Afford?

This is an educational estimate to help you start your search with realistic expectations. Your lender's pre-approval is what ultimately determines your exact buying power.

This tool starts from your income and monthly debts and applies the same debt-to-income guidelines a lender uses, so it approximates what you'd likely qualify to borrow — the lender's-eye view. There's also The Price Point Reality Check, which works the opposite way: it starts from a monthly payment you choose yourself, with no income or debt involved, as a quick gut-check before you ever talk to a lender. Both land on an estimated price point — use this one when you want the numbers a lender would actually run; use the Reality Check first if you just want a ballpark to think with.