Calculators
How much house can I afford?
Enter your income, monthly debts, savings and an estimated rate to see a price range based on common debt-to-income guidelines.
Estimated price range
Enter your income and an interest rate to see a price range.
Your monthly debts already use most of the room lenders typically allow. A loan officer can look at options — for example, paying down a balance first.
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estimated home price range
- Housing budget at 36% debt-to-income—
- Housing budget at 43% debt-to-income—
- Loan amount at the top of the range—
Payments include principal, interest, property tax, insurance and HOA dues. Mortgage insurance, if it applies, would lower the range somewhat. Some programs allow different ratios.
This calculator provides estimates for illustration only. It is not an offer, a commitment to lend, or a loan disclosure. Contact a LoanZilla loan officer for figures based on your situation.
How lenders decide what you can afford
Lenders mostly look at your debt-to-income ratio — how your total monthly debts, including the new housing payment, compare with your gross income. Property taxes, homeowners insurance, HOA dues and any mortgage insurance all count toward that payment.
This calculator shows a range between a comfortable level (36% of gross monthly income for all debts) and a common upper limit (43%). Your actual limit depends on the loan program, your credit, savings and the rest of your file. A pre-approval replaces the estimate with a real number.