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BudgetingComing Soon

What can you actually afford?

This goes beyond a lender's maximum approval to show a comfortable range based on your real numbers — income, debt, savings, and where you're buying.

Inputs

  • Gross monthly household income.
  • Total monthly debt payments (cars, cards, student loans, etc.).
  • Available savings for down payment.
  • Target down payment percentage.
  • Estimated property tax rate and homeowners insurance for the area (or a default regional estimate).
  • Estimated HOA (if applicable).

How it works

  • Lender-style estimate: uses a standard front-end ratio (~28% of gross monthly income for housing) and back-end ratio (~36% total debt-to-income) as general industry benchmarks — clearly labeled as a common lender guideline, not a guarantee.
  • Comfort-based estimate: total monthly income minus existing debts minus a user-set savings and lifestyle cushion, to show what's left for housing.
  • Both estimates are shown side by side so the user sees the difference between what they might be approved for and what they'd be comfortable paying.

What you'll see

Two price ranges (lender-style vs. comfort-based), plus a short explanation of why they may differ.

Disclaimer — Educational estimate only; actual approval amounts are determined by a lender based on full underwriting.

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Next step

You do not have to figure this out alone.

Start learning today and take the homebuying process one clear step at a time.

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