How much home might fit your budget?
Pick a loan program, then enter income, monthly debts, down payment, and an estimated rate. Comfortable and stretch targets use that program’s DTI guidelines. Runs entirely in your browser.
Estimated home-price range
$0 – $0
- Comfortable target
- $0
- Upper stretch
- $0
- Comfortable DTI used
- -
- Stretch DTI used (max)
- -
At the comfortable target
Estimated monthly principal & interest:$0
Estimated taxes and insurance (rough placeholder, 1.5% of price per year):$0 / month
Combined housing estimate (P&I + taxes/insurance placeholder):$0 / month
Estimate only. Not a pre-approval, rate quote, or commitment to lend. DTI caps shown are planning guidelines and can change with credit, reserves, compensating factors, and lender overlays. Your actual numbers depend on a full review of credit, income, assets, and the property.
Try another calculator.
All of these run in your browser. Estimates only, not a pre-approval or rate quote.
Payment calculator
Ballpark monthly principal and interest from a home price.
Open →Rent vs. buy
Compare estimated renting costs to buying over a set number of years.
Open →Rate options
Compare rates with and without points, including monthly savings and breakeven.
Open →Property compare
Compare up to three homes and download a payment breakdown PDF.
Open →Program compare
Pick any two programs, including FHA 20 vs FHA 30, and compare cash to close.
Open →Refinance compare
Compare refinance options by program, fixed or ARM, points, and cash to close.
Open →
Ready for numbers that match your file?
A free Mortgage Strategy Session turns this estimate into a clear budget and next step.
Keith Lopez, NMLS #2814077 | NEXA Mortgage, LLC, NMLS #1660690 | Licensed in NC, SC & GA | Equal Housing Opportunity