🏠 Mortgage Affordability Calculator
Recommended budget vs. Max approval—pick a preset or customize.
Preset: —
⚙️ Advanced (optional)
FHA limits: using CA county caps (1-unit).
✅ Recommended Budget (28/36 Rule)
Max Monthly Payment
$—
min(28% income, 36% income − debts)
Estimated Loan Amount
$—
Based on down %, rate & term
Estimated Home Price
$—
Includes your down payment
P&I (est.)$—
Property Tax$—
Homeowners Ins$—
Mortgage Ins$—
HOA$—
🟡 Max Approval (DTI Cap)
Max Monthly Payment
$—
Back-end DTI cap − debts (or capped by county)
Estimated Loan Amount
$—
Reflects county loan cap if FHA
Estimated Home Price
$—
Aggressive ceiling
P&I (est.)$—
Property Tax$—
Homeowners Ins$—
Mortgage Ins$—
HOA$—
Range: $— (recommended) → $— (max approval)
Guidance only. FHA/VA/MI rules vary by lender. 🙂
Punch in your monthly income and monthly debts. I’ll estimate your max home price using the 28/36 DTI rule, today’s rate, and a quick taxes/insurance guess. It’s a ballpark—good for planning, not a mortgage promise. (No hard feelings if it says “maybe not the mansion.” 😉)