Mortgage Tools

Affordability Calculator

Find out how much home you can realistically afford based on your income, monthly debts, and available down payment.

Annual Gross Income ($) Combined if buying with a co-borrower

Monthly Debt Payments ($) Car loans, student loans, credit cards (min payments)

Down Payment ($)

Interest Rate (%)

Loan Term

Property Tax Rate (%/year) NY avg ~1.2–2.2%; NJ avg ~2.2–2.8%

Max Home Price
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Conservative estimate

Aggressive Max

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Higher DTI (43%)

Max Loan Amount

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after down payment

Est. Monthly (PITI)

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at max home price

Front-End DTI

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housing / income

Back-End DTI

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all debts / income

Front-End DTI (Housing) —

Back-End DTI (All Debts) —

Get a personalized pre-approval in 24 hours.