A lender can tell you what you qualify for. This helps you figure out what actually makes sense for your life.
Comfortable — I want room to breathe
$162,036
Home price
$1,500/mo
Total housing budget
Breathing room built in. You'll sleep well at this number.
$186,342
Home price
$1,680/mo
Total housing budget
This is your real number. Enough home without the stress.
$267,360
Home price
$2,280/mo
Total housing budget
Possible — but there's less margin. Make sure you want to be here.
These ranges are based on your inputs, not a lender's formula. A lender will qualify you based on gross income and debt ratios — often higher than what feels comfortable day to day. This tool is about your life, not their criteria.
What a lender may approve you for
$356,480
Based on 43% debt-to-income ratio
What this tool suggests as comfortable
$186,342
Based on 28% of take-home
There's often a gap between what you can borrow and what feels right. You just found yours.
This tool uses simplified estimates for illustration. It does not account for PMI, closing costs, utilities, maintenance, or changes in income. For a conversation about what these numbers mean for your specific situation, I'm here.
Want me to send you your three ranges along with a few things that help buyers stay in their comfortable zone throughout the process?
No pressure. No follow-up calls unless you ask for one.