Home·ology Affordability Calculator

Wondering what you might qualify for price wise based on your income, debts, down payment and monthly costs?

Find out what price home you might qualify for within seconds!California friendly numbersNo signup required
Your budget

Find a price that fits your lifestyle!

Choose how to calculate
$
Gross household income before taxes and deductions.
$/ mo
Car, student loan, credit card, support and other required payments.
50%
More breathing roomHigher qualification range
Maximum total monthly debt$4,167
$
Estimated down payment—
Use lender quote
%
% / yr
California base rate starts near 1%; local charges vary.
$/ yr
Mello-Roos or other annual assessments, if applicable.
$/ yr
$/ mo
% / yr
% of price
Typical closing costs range between 2-3% on average. Used only for the estimated cash needed figure; it does not change the monthly payment. Sometimes, we may get money credited from the seller's to help offset some of these costs. Ask a Homeology Agent about that and we will be happy to sit down and explain it all to you!
Compare the range

See how your comfort level changes the price

These scenarios change only the total DTI target. A lender will evaluate additional factors before approving a loan.

Gross monthly income—

Income before taxes and payroll deductions.

Existing monthly debts—

Required debts reduce the amount available for housing.

Available housing budget—

The estimated room for principal, interest, taxes, insurance, PMI and HOA dues.

A comfortable number is only the starting point

Want to turn this estimate into a real home search?

A Homeology agent can help you compare neighborhoods, property taxes, Mello Roos, HOA dues and real monthly payment scenarios to decide what makes the most sense for you!

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