Free Tool
How Much House Can You Afford?
Enter your income, debts, and down payment to see your maximum home price and estimated monthly payment — with real numbers, not guesswork.
Your Numbers
California average: ~1.1%
You can afford up to
$441,000
Based on 36% debt-to-income ratio (conventional guidelines)
Down Payment
$44,100
10%
Loan Amount
$396,900
Est. Rate
6.63%
30-year fixed
Estimated Monthly Payment
$3,096/mo
With FHA Guidelines (43% DTI)
Max Home Price
$546,000
Monthly Payment
$3,797/mo
Loan Amount
$491,400
FHA allows higher debt-to-income ratios. Lower down payment options available (3.5% min with 580+ credit).
Important: This calculator provides estimates only and is not a commitment to lend. Actual qualification depends on credit history, employment verification, assets, and other factors determined during underwriting. Interest rates shown are approximate and may differ from actual rates available to you. Property tax rates vary by county. Contact Ryan Van Til for a personalized analysis based on your specific financial situation. NMLS #02336853.