Get started free

How much house can I afford?

A comfortable price range from income and debts, with a page you can send buyers.

For real estate agents

Agent view and a page for your buyer

Give buyers a price range they can feel good about.

Start with income, debts and down payment. See conservative, moderate and stretch budgets, then send a simplified, branded page to your client.

Comfortable range$600,000 – $780,000
Three budgetsConservative, moderate and stretch, explained in plain English.
Principal & interest$4,064
Property tax$715
Insurance$150
Monthly$5,259
Payment breakdownWhat each budget costs per month.
Your nameYour agency · License #00000000
What you can afford
$600,000 – $780,000
A comfortable range for your budget
Conservativeabout $3,655/mo
$600,000
Moderateabout $5,259/mo
$780,000
Stretchabout $6,221/mo
$907,000
Based on $165,000 household income, $120,000 down and a 6.25% 30-year fixed rate.
Talk to Your about next steps
Estimate only. Not a guarantee, loan offer or appraisal. Talk to a licensed loan officer for a pre-approval.
Made with Prosperk
Client pageA simple, branded page you can send.
Free to use. Sharing a client page needs a free account.

Income and debts

Typical rates are filled in.

Make a payment graphic →
Comfortable price range
$600,000 – $780,000comfortable range
Moderate payment breakdown
Principal & interest$4,064
Property tax$715
Insurance$150
PMI$330
How we got here. All debts up to 43% of gross income, the limit most conventional lenders use. With $13,750 gross monthly income and $650 in debts, that leaves up to $5,263 a month for housing.
Estimate only. Not a guarantee, loan offer or appraisal. Lenders look at credit, reserves and program rules. Encourage buyers to get pre-approved.
What you’ll get: A branded PDF summary and, with a free account, a client page link.

How it works

A price range in three steps

  1. Step 1

    Enter income and debts

    Annual household income, monthly debts and down payment.

  2. Step 2

    See three budgets

    Conservative, moderate and stretch, each with a monthly payment.

  3. Step 3

    Share with your buyer

    Download a branded PDF or send a simplified client page.

Why it matters

A comfortable budget beats a maximum one

Buyers want a number they can live with

Showing a conservative range builds trust before the lender conversation.

It speeds up the search

Buyers who know their range tour the right homes sooner.

It opens the door to pre-approval

A branded summary is a natural hand-off to your loan officer partner.

Guide

How lenders think about affordability

Debt-to-income is the key number

Lenders compare your monthly debts to your gross monthly income. The “front-end” ratio looks at housing costs alone. The “back-end” ratio includes car loans, student loans and credit card minimums.

Three budgets, three ratios

A conservative budget keeps housing under 28% of income and all debts under 36%. Many conventional loans allow up to 43% total. Some programs go to 50%, but the monthly budget gets tight.

It’s more than principal and interest

Property tax (often 1% to 2% of the home’s value a year, depending on the state), homeowners insurance, HOA dues and mortgage insurance on smaller down payments all count toward the monthly payment.

Worked example

With $165,000 household income, $650 a month in debts and $120,000 down at 6.25%, a moderate budget lands around $780,000. A pre-approval confirms the real number.

Questions about the Affordability Calculator