PRELIMINARY PURCHASING-POWER ESTIMATE
See what your income, debts and available cash may support.
No credit pull. No SSN. Change any figure and the estimate updates instantly.
Nothing is submitted while you calculate.
Your scenario
Property state
Florida
Texas
Financing scenario to model
FHA
Conventional
VA
USDA
Models payment and cash assumptions only. Selecting a program does not establish eligibility.
Credit range for review
Below 580
580 to 619
620 to 639
640 to 679
680 to 719
720+
Shown as a review factor only. Credit does not numerically increase or reduce the range in this calculator.
Planning DTI target
A planning assumption, not an underwriting limit. Automated underwriting, residual income and program rules can produce different results.
Loan term
30 years
20 years
15 years
Down payment assumption
Percent of purchase price. Adjust this to match the scenario you want to test.
Gross annual income
$
Other monthly debt payments
$
Minimum credit-card payments, car notes, personal loans, alimony and other recurring obligations. Do not include rent or the new mortgage.
Student-loan balance
$
Student-loan monthly payment
$
Enter $0 when no payment is shown. The calculator will apply the selected program's fallback treatment.
Cash available to close
$
Available reserves after closing
$
Estimated seller concessions
$
Comfortable total housing payment
$
This is treated as a personal payment ceiling when it is below the planning DTI allowance.
Illustrative interest rate
6.75%
Adjustable assumption, not a quoted or current rate.
Property taxes and homeowners insurance
Estimate them for me
I know the amounts
Annual property taxes
$
Annual homeowners insurance
$
Monthly HOA
$
Monthly CDD or special assessment
$
Credit-event review
Have you experienced a bankruptcy, foreclosure, deed-in-lieu of foreclosure, or short sale?
No
Yes
I'm not sure
Approximate date
Previous events do not automatically mean you cannot buy. Program rules and waiting periods vary, so a Yes or Unsure response simply calls for a personal review.