Know What You Can Afford First
Home Affordability Calculator
See roughly how much home you can afford based on your income, debts, and down payment — using the standard 28/36 lending guideline. Estimate only; a lender's actual pre-approval depends on your full credit and financial picture.
Your Numbers
Estimated Max Home Price
$0
| Loan Amount | $0 |
| Principal & Interest / mo | $0 |
| Property Tax / mo | $0 |
| Insurance / mo | $0 |
| HOA / mo | $0 |
| Total Monthly Budget | $0 |
This uses the 28/36 rule — a common lending guideline capping housing costs at 28% of gross monthly income and total debt at 36% — not a guaranteed approval amount. The default interest rate above reflects Freddie Mac's 30-year fixed average as of August 20, 2026 (freddiemac.com/pmms); your actual rate depends on your lender, credit, and loan program. Christine Gwinnup works with local lenders who can turn this estimate into a real pre-approval.
