Affordability calculator

How this estimate works

We cap your housing payment at 36% of gross monthly income minus existing monthly debts, convert that into a loan amount using a standard 30-year amortization at the rate you select, and add your down payment. It’s the same logic a lender starts with — simplified for a quick gut check.

What it doesn’t include

• Property taxes, insurance, and HOA (these lower your max in reality).
• PMI on low down payments.
• Lender-specific overlays and reserve requirements.

For the full picture, read the self-employed mortgage guide or compare every option on the loan types page.