Based on your income, debts, and down payment, see what kind of home you can realistically qualify for. The estimate uses lender DTI rules and accounts for taxes, insurance, and HOA.
Gross household income before tax
Car loans, credit cards, student loans
36% is conservative; many programs allow 45–50% with strong files
California avg 0.71%
California avg $1,300
This estimate uses your DTI cap of 36%, accounts for taxes and insurance, and assumes the down payment goes toward the home price. Real qualification depends on credit, reserves, and program. Talk to a licensed broker for an actual pre-approval.
Program-specific qualification across conventional, FHA, VA, jumbo.
Full PITI breakdown with amortization.
Long-run wealth comparison of renting vs owning.
Itemized estimate of cash needed at closing.