How much can I afford?
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.
Your locationdetecting...
$
Gross household income before tax
$
Car loans, credit cards, student loans
$
%
%
Lenders typically allow 36–43% DTI
Taxes, insurance, fees
%
California avg 0.71%
$
California avg $1,300
$
You can afford a home up to about
$471,138
Max loan amount
$396,138
Max monthly housing
$3,100
Monthly income
$10,000
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.