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.
Based on a 36% debt-to-income ratio.
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
- Enter your gross annual household income and existing monthly debts.
- Add your planned down payment and an estimated interest rate.
- Include a monthly tax and insurance estimate if you have one.
- Compare the comfortable and stretch ranges — then talk to an officer before you shop.
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%.
Your debt-to-income ratio compares your total monthly debt payments to your gross monthly income. Lenders use it to estimate how much of your income is already committed to existing obligations.
The comfortable estimate uses a 36% DTI, which leaves more room in your monthly budget. The stretch estimate uses 45% DTI, which is closer to the typical maximum for conventional loans. Neither is a guarantee of qualification.
No. This calculator estimates what may fit your budget based on the numbers you enter. What you qualify for depends on your credit profile, loan type, property details, and lender review. A loan officer can give you a more accurate picture.
This estimate does not account for closing costs, HOA dues, maintenance, utilities, or other homeownership costs. Property taxes and insurance are included only if you enter them.
A larger down payment reduces the loan amount, which lowers the monthly principal and interest payment and may increase the home price you can afford within a given DTI.
Qualification depends on factors this calculator does not capture, including your credit score, loan program, employment history, assets, and lender guidelines. Use this as a planning tool, not a preapproval.
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.
