What's the payment — and what can you afford?
Go either direction. Start with a price and see the monthly payment broken down, or start with your income and see the price it supports. Taxes, insurance and HOA included, because leaving them out is how people get surprised. No signup.
A pre-approval is the only number a seller takes seriously — and it's free.
Estimates for educational purposes, not a pre-approval or a loan commitment. Taxes and insurance vary widely by state and property — swap in real figures if you have them. Final terms subject to credit, property & program approval.
Is that payment right for a real loan?
Send us the numbers and we'll come back with a real rate, the true payment including anything this leaves out, and what you'd qualify for.
Prefer to talk now? Call or text Chad: 858-353-8331.
About this calculator
Is this a pre-approval?
No. It's arithmetic on the numbers you type in. A pre-approval means we've looked at your credit, income and assets and told you in writing what you can borrow — that's what a seller wants to see with an offer, and it's free. This tool is for sizing things up beforehand.
What does the payment include?
Principal and interest, property tax, homeowner's insurance and HOA — the four parts of what lenders call PITIA. It does not include mortgage insurance, which most loans carry when you put less than 20% down, and it doesn't include utilities or maintenance. If you're under 20% down, expect the real payment to be higher than what you see here.
Where does the debt-to-income cap come from?
43% is a common ceiling on conventional loans, so it's a reasonable default for a rough answer. It is not a rule: plenty of loans go higher with strong credit or reserves, some programs are stricter, and what counts as a debt isn't always obvious. Treat the income direction as a sanity check, not a limit.
Should investors use this or the DSCR calculator?
This one if you're buying a home to live in, because it's built around your income. If you're buying a rental, use the DSCR calculator — a DSCR loan qualifies on the property's rental income rather than your tax returns, so your personal debt-to-income barely matters.
The tax and insurance defaults don't match my area.
They're national middle-of-the-road figures and both vary enormously — Texas property tax is multiples of California's, and Florida coastal insurance is in a category of its own. Every field is editable, so put your real numbers in. If you don't know them yet, ask us and we'll tell you what's typical for the specific area.
Get pre-approved in 24 hours.
Free, and it's the only figure a seller takes seriously when you make an offer.