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Home Affordability Calculator

Estimate how much home you can afford, including down-payment assistance.

Your total household income before taxes, per month.

Car loans, student loans, credit cards, other minimums, not rent.

The limit lenders allow. 43 to 50% is common; enter your own.

Today's rate for your loan type. Enter your own quote.

Length of the loan in years (usually 30).

Estimated property tax, insurance, and any HOA per month.

Cash down plus any down-payment-assistance (DPA) funds.

Added only when your down payment is under 20%. FHA is usually 0.55% a year; conventional PMI often runs 0.3% to 1.5%. Enter 0 to leave it out.

Enter your numbers, then select Calculate.

This calculator is an educational estimate, not a loan approval, pre-qualification, or financial advice. Actual qualification depends on full underwriting of your credit, income, debts, and the property, and rates change daily. Serve First Realty is a licensed California real estate brokerage; Ashlar Lending arranges financing separately. Not tax advice.

Getting your numbers ready in California? Serve First represents you on the home, and Ashlar Lending (NMLS #2699657) matches you to the right loan program, one family, one team.

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Serve First Realty California DRE# 02298264 Roseville, CA

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