Free buyer planning tool

What home price fits your life?

Turn a comfortable monthly budget into a working price estimate. Leave room for the costs of owning a home—and the rest of your life.

Start with a payment that feels comfortable.

These are editable examples—not current rates, local tax quotes or loan approval. Your monthly budget includes maintenance savings and utilities, not just the mortgage.

Comfortable total monthly housing budget ($)Cash reserved for the down payment only ($)Annual mortgage interest rate (%)Loan term (years; minimum 1)Annual property tax estimate (% of price)Homeowners insurance per month ($)HOA dues per month ($)Annual mortgage insurance (% of loan)Annual maintenance savings (% of price)Utilities per month ($)

Mortgage insurance is modeled only below 20% down, using a conventional-loan-style estimate. FHA, VA and other programs have different fees and rules; ask your lender which costs apply.

Also limit the estimate using income and debts

Estimated upper price within your selected limits

$330,000Rounded down to the nearest $1,000. A ceiling for exploring—not a recommendation to spend this much.

Principal and interest: $1,896
Property taxes: $303
Homeowners insurance: $150
HOA dues: $0
Mortgage insurance: $125
Mortgage housing subtotal: $2,474
Maintenance savings: $275
Utilities: $250
Total monthly housing plan: $2,999
Estimated loan amount: $300,000
Down payment used: $30,000

Down payment: 9.1% of price.

Closing costs, prepaid items, inspection, moving costs and an emergency reserve require money beyond the down payment. Use the cash-to-close planner next →

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A useful starting point. Not a preapproval.

This estimates monthly principal and interest, property taxes, homeowners insurance, HOA dues and mortgage insurance. It also leaves space for maintenance and utilities.

Your actual payment depends on the property, loan program, rate, fees and lender quotes. Taxes and insurance can change. Repairs do not arrive on a predictable schedule.

A lender’s maximum approval and a payment you can comfortably live with are different things. Consider take-home pay, childcare, healthcare, savings and other everyday expenses when setting your budget.

What is debt-to-income ratio?

Your monthly debt payments divided by your gross monthly income—income before taxes. Lenders use it as one part of reviewing a loan application, with limits that vary by loan and lender.

Read the CFPB explanation →

Don’t use every dollar as a down payment.

Keep money separate for closing costs, prepaid interest, inspections, moving and emergencies. Earnest money is a deposit toward the purchase, not an extra down payment.

Plan upfront cash separately →

See plain-language buying definitions →

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