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Pre-Qual Calculator

Determine how much house you can afford based on your income and debts

Your Financial ProfileFAQ
Enter your income and expenses

Your total yearly income before taxes

Car loans, credit cards, student loans, etc.

Loan Assumptions
Industry Standard

Lenders typically approve mortgages with a debt-to-income ratio up to 43%. This calculator uses conservative estimates to help you stay within comfortable limits.

You Can Afford
$346,721
Based on your income and debts
Maximum Home Price$346,721
Down Payment$50,000
Loan Amount$296,721
Est. Monthly Payment$2,367
Debt-to-Income Ratio43.0%
Your DTI Health
0%36% (Ideal)43% (Max)

Good! You're within acceptable lending limits.

Ready to get pre-approved?

Connect with a licensed mortgage professional to get pre-approved and start your home search with confidence.

More tools

Other free tools for your home purchase.

Compare Mortgage QuotesLenderRatePaymentFeesTotalBank A3.125%$2,398$2,400$866,680★Bank B3.375%$2,456$1,800$885,960Bank C3.500%$2,495$3,200$901,400Bank D3.625%$2,534$2,100$914,340Potential Savings with Best Option:$47,660

Quote Comparison

Upload and compare multiple mortgage quotes side-by-side with AI-powered analysis

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Mortgage Rate Forecast30-Year Fixed8%7%6%5%4%3%Now202020212022202420252026HistoricalPredictedCurrent:6.85%Forecast:5.9%

Mortgage Rate Forecast

Live mortgage rate projections based on treasury futures and historical trends

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Rent vs. BuyNet Worth$1.5M$1.2M$900k$600k$300k$0Year 6Yr 1Yr 15Yr 30BuyRent + investBuying wins afterYear 6

Rent vs. Buy

See whether buying or renting builds more wealth over time, and the year buying pulls ahead

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Loan DetailsMonthly Payment$2,847Principal & InterestPayment BreakdownPrincipalInterestOther

Payment Calculator

Estimate your monthly mortgage payment with taxes, insurance, and PMI

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Closing Cost BreakdownCash to CloseEstimated closing costs$20,5692.6% of price · separate from down pmtYou can shop$6,080title & settlement% of price2.6%of $800kWhere it goesLender fees$5,335Title & settlementSHOP$6,080Third-party$620Taxes & govt$3,325Prepaids & escrow(owed anyway)$6,489Total$20,569

Closing Cost Calculator

Estimate your cash to close line by line — lender, title, taxes, and prepaids — and see which fees you can shop

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Refinance ComparisonCurrent vs. New LoanCurrent LoanInterest Rate4.5%Monthly Payment$2,847Remaining Term25 yearsTotal Interest$254,200Total Cost$554,200New LoanInterest Rate3.25%Monthly Payment$2,456New Term30 yearsTotal Interest$184,160Savings$70,040

Refinance Analysis

Compare your current loan to refinancing options and calculate break-even

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