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How much can I afford?

Work backwards from your income. We use the same debt-to-income limits lenders apply — so the numbers are realistic, not wishful.

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Before taxes. Include all borrowers if buying with a partner.
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Include car loans, student loans, minimum credit card payments, and any other recurring debt. Do not include rent.
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%
Not sure? Use today's average 30-yr rate as a starting point.
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Maximum home price
Max loan amount
Down payment
Estimated monthly payment
Debt-to-income ratio
0%36% comfortable43% max

✓ Comfortable (36% DTI)
⚠ Max stretch (43% DTI)
What these numbers mean
Gross monthly income
Existing monthly debts
Max housing payment (43%)
Available for P&I

Results are estimates only and do not constitute a loan approval, lending commitment, or rate quote. Interest rates, loan terms, and monthly payments may change based on market conditions, borrower qualifications, and loan program eligibility. Final terms are determined at the time of rate lock and loan approval.

Your actual limit depends on credit score, loan type, and the specific lender. I can run a fully documented pre-approval — reach out to get started.

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