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How much house can I afford?

Your top home price, monthly payment and cash to close, with self-employed income counted the way lenders do. No account needed.

Your numbers

Answer each Yes/No question, then fill in the amounts that appear. Use 0 only when an amount is truly zero. Want to see how it works first? Load example numbers below.

Are you buying a home to live in, with a fixed-rate loan?

This estimates a fixed-rate conventional, FHA or VA loan for your main home. Rental properties, adjustable-rate loans and bank-statement or other non-QM loans use different rules.

Your yearly pay before taxes and before 401(k) or health deductions: a lender uses gross pay. Add a spouse’s pay if you will both be on the loan. For example, 60,000. Enter 0 if you have no job pay.
Conventional loans need at least 3% down and charge PMI under 20% down. FHA needs 3.5% down and charges its own mortgage insurance. VA needs no down payment and charges a one-time funding fee instead.
The yearly rate from a lender’s quote or a rate you have seen advertised, not the APR. For example, 6.5. Try a rate half a point higher too: rates can move before you lock.
A 30-year loan has the lowest payment, so it lets you buy the most house. A 15-year loan costs far less interest.
In dollars, the down payment stays the same at every price. As a percent, it grows with the price.
Cash for the down payment only; closing costs are figured separately below. For example, 40,000. Enter 0 for a VA loan with no money down.
Private mortgage insurance on a conventional loan is a yearly percent of the loan, set by your credit score and down payment. For example, 0.5. A lender’s Loan Estimate shows the real amount. Used only when the loan is more than 80% of the price.
For example, 1.1, a common Minnesota figure. It varies by city: look up a similar home on your county’s property tax site and divide the yearly tax by its value.
For example, 2,400, a common Minnesota premium. An insurance agent can quote it from an address.
Lender, title and government fees plus prepaid taxes and insurance. For example, 2. A Loan Estimate gives the real number.
For example, 5. Seller or lender credits can lower it.
This is your debt-to-income ratio: the house payment plus your other debt payments, divided by income before tax. We show all three; this one is the headline. Lenders may approve the stretch level only with strong credit and savings left after closing.
Are you self-employed, with business profit on your tax returns?

A sole proprietor or single-member LLC that files the business page with Form 1040. Lenders look at two years of returns. Have your 2025 and 2024 returns handy.

Do you get other steady income, like a pension, Social Security, alimony or child support?

Only income that will keep coming for at least 3 years.

Do you make monthly payments on any debts?

Car loans, student loans, credit card minimums and personal loans. Every dollar of debt payment lowers the house payment a lender allows.

Will the home have homeowners association (HOA) dues?

Townhomes and condos usually do. Lenders count the dues in the house payment.

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Answer the questions, then press Calculate.
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Assumptions, sources & limitations

Planning estimates only. Not a tax return, filing, payment, lending quote or personalized advice. Results depend on complete and accurate inputs. No guarantee of savings or penalty protection. Tax figures checked October 31, 2026; changes and special rules may apply. This initial release needs firm validation before client reliance.