Home Affordability & Buying Calculators
Calculate how much house you can afford, estimate down payments and closing costs. Free home buying calculators for first-time buyers.
Closing Costs Calculator
Estimate itemized closing costs for your home purchase including lender fees, title insurance, appraisal, taxes, and escrow. Know exactly how much cash you need at closing.
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Cost to Build a House Calculator
Estimate the total cost to build a house by square footage, finish level, and region. See per-category breakdowns for foundation, framing, roofing, electrical, plumbing, and more.
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Down Payment Calculator
Calculate your target down payment and see how it affects your monthly mortgage, PMI, and total interest. Build a savings plan with a clear timeline to reach your goal.
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Home Affordability Calculator
Find out how much house you can afford based on income, debts, down payment, and interest rate. Uses the 28/36 DTI rule to show your safe purchase price range.
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Home Buying Calculator
Calculate the total cost of buying a home including down payment, closing costs, monthly PITI payment, and cash needed at closing. See your full purchase budget in one place.
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Home Sale Calculator
Calculate your net proceeds from selling your home. Enter sale price, agent commissions, closing costs, and mortgage payoff to see how much cash you keep after closing.
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Home Value Calculator
Estimate your home's current market value using comparable sales, property details, and condition adjustments. Get a data-driven price range — not a guess.
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Real Estate Calculator
Calculate real estate commissions, closing costs, and net proceeds for buyers and sellers. See the full money flow of any property transaction in one place.
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Real Estate Investment Calculator
Analyze rental property investments with cap rate, cash-on-cash return, monthly cash flow, and 10-year ROI projections. Model vacancies, expenses, and appreciation.
Use CalculatorHow Much House Can You Really Afford?
The 28/36 rule gives you a reliable starting point. Lenders want your total housing payment — principal, interest, taxes, and insurance (PITI) — at or below 28% of gross monthly income. Your combined debt payments, including car loans, student loans, and credit cards, should stay under 36%. A household earning $100,000/year with $500/month in existing debt can typically afford a home priced around $350,000-$400,000 with a 10% down payment at current rates.
Three big costs determine what you can actually buy: the down payment, closing costs, and the ongoing monthly payment. The down payment is the cash you bring to the table — anywhere from 3% to 20% of the purchase price depending on the loan type. Closing costs add another 2-5% on top of that, covering appraisal fees, title insurance, and lender charges. On a $350,000 home with 10% down, you need $35,000 for the down payment plus $7,000-$17,500 for closing costs. First-time buyers often underestimate these upfront expenses and end up short at the closing table. Use our mortgage payment calculators to see exactly what your monthly PITI payment would be at different price points.
Your loan program also shapes affordability. FHA loans accept lower credit scores and smaller down payments but add mortgage insurance premiums. VA loans offer zero-down options for eligible veterans. Conventional loans with 20% down avoid PMI entirely, lowering the monthly cost. Explore the differences in our loan program calculators to find the best fit for your financial situation.