How Much House Can Your Monthly Payment Buy?

The P&I shown on each card is principal & interest only. The rest of your target payment is estimated taxes, insurance, HOA and MI, which vary by property. APR is calculated for each scenario shown from the rate, the discount points shown, $2,116 in lender fees (underwriting $1,095, processing $1,021) and 15 days of prepaid interest, plus mortgage insurance: FHA upfront and annual premiums, the VA funding fee (first use), and estimated PMI on conventional loans above 80% LTV. Your actual APR, finance charge and total cost of credit will be disclosed in your Loan Estimate. Down payment defaults: 20% Conventional, 3.5% FHA, 0% VA — adjustable in Adjust the assumptions. Your loan qualifying payment uses the property's actual current tax bill, which can be materially higher than the state default shown and reduce actual affordability.

NJ residents: United Direct Lending is licensed by the New Jersey Department of Banking and Insurance. · TX residents: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 N. Lamar, Suite 201, Austin, TX 78705.

Sample Market Pricing. Example rates shown are not a quote. Rates assume 740+ FICO, a primary residence and 75% LTV or less, so higher-LTV scenarios may price higher, with the state's homestead exemption / effective average rate applied where available. Your loan qualifying payment will use the property's actual current tax bill (often the seller's unhomesteaded figure) — which can differ materially from the state default and reduce actual affordability. Expand Adjust the assumptions for the state-specific caveat. Actual affordability depends on verified credit, income, DTI, and program eligibility.

How to read these numbers

The payment you enter is your whole monthly housing cost: principal and interest, property taxes, homeowners insurance, HOA dues and mortgage insurance. Each card shows how that splits.

Rates are today's Sample Market Pricing for 740+ credit. They are not a quote. Each card's APR is calculated for the exact scenario shown, so it changes as you move the payment or the down payment.

A lender qualifies you on the property's current tax bill, which can be higher than what you'll pay once your own exemptions apply. Ask for the actual bill before you make an offer.

Want the fuller picture? Mortgage Affordability works from your income and debts, and the payment breakdown calculator splits out a specific home's monthly cost.

How Much House Can Your Monthly Payment Buy?

Enter the monthly payment you’re comfortable with

How to read these numbers

Estimates only

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How Much House Can Your Monthly Payment Buy?

Enter the monthly payment you’re comfortable with

How to read these numbers

Estimates only

Want your real number?

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