Affordability calculator

Find your price point.

Enter your income, debts, and down payment to see what home price may fit your monthly budget. Start with your best estimate — you can update the numbers anytime.

This is a planning estimate, not a preapproval or commitment to lend.

See what may fit your budget.

This calculator estimates a comfortable and stretch home price based on standard debt-to-income guidelines. Use your best guess on any field — the goal is to give you a useful starting range before you talk to anyone.

Include income before taxes from all borrowers on the loan. Include salary, bonuses, and other regular income.

Include minimum payments on credit cards, student loans, car loans, and other debt. Do not include rent or current mortgage payments.

Include savings you have available for a down payment. You do not need 20% — many programs allow 3% to 5% down.

Use a reasonable estimate if you do not have a rate yet. Your actual rate will depend on your credit profile and market conditions.

Property taxes and homeowners insurance vary by location. Use $200 to $400 per month as a starting estimate if you are unsure.

Loan Term

A 30-year term usually produces a lower monthly payment and a higher estimated home price. A 15-year term increases the monthly payment and may reduce the affordable price range.

Comfortable home price estimate$312,690

Based on a 36% debt-to-income ratio.

Stretch home price estimate$413,549

Based on a 45% debt-to-income ratio.

At a comfortable estimate, your monthly principal and interest would be approximately $1,850. At the stretch estimate, approximately $2,488.

These estimates are based on the numbers you entered and are for planning purposes only. Actual qualification depends on your credit profile, loan type, and lender review. An Intra officer can give you a more accurate picture.

Want a more exact estimate?

An Intra loan officer can review this scenario with your real numbers and help you understand what may change. No hard credit pull required.

Talk to an Intra loan officer →

What this estimate includes

Included

  • Comfortable and stretch home price ranges based on debt-to-income ratios
  • Estimated monthly principal and interest at each price point
  • Monthly taxes and insurance you enter into the calculation

Not included

  • Credit score, employment history, and asset verification
  • HOA fees, PMI, and lender-specific overlays
  • Preapproval or a commitment to lend

How to use this calculator

  1. Enter your gross annual household income and existing monthly debts.
  2. Add your planned down payment and an estimated interest rate.
  3. Include a monthly tax and insurance estimate if you have one.
  4. Compare the comfortable and stretch ranges — then talk to an officer before you shop.

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Helpful mortgage guides

Short reads for the questions that usually come next.

What goes into a monthly mortgage payment?

Principal, interest, taxes, insurance, and what moves your number.

Run a payment estimate →

How much down payment do I need?

Program minimums and how a larger down payment may help.

Estimate your down payment →

Should I rent or buy?

Compare costs, equity, and how long you plan to stay.

Compare rent vs. buy →

Common questions, plain answers.

This calculator estimates how much home may fit your budget using your gross income, monthly debts, down payment, and an estimated rate. The comfortable estimate uses a 36% debt-to-income ratio. The stretch estimate uses 45%.

Ready for the next step

Your numbers make more sense with a real conversation.

Estimates are a starting point. An Intra loan officer can show you your actual rate — based on your real situation, not a guess.

Get pre-qualified →Ask a loan officer
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