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How much mortgage might I qualify for?

Most lenders base their home loan qualification on both your total monthly gross income and your monthly expenses. These monthly expenses include property taxes, PMI, association dues, insurance, and credit card payments.

Note: This calculator should be used for estimation purposes only.

All fields are required.


Income


Monthly Expenses


Loan Information

down payment as a percent or in dollars

term in months or years

Payment Information

property tax as a percent or in dollars


Calculator Results

The following table shows the calculation methods for figuring out the highest payment you could qualify for based on credit rating

Medium Credit the lesser of
28.000 % of gross income or
36.000 % of gross income less fixed monthly expenses
Good Credit the lesser of
36.000 % of gross income or
42.000 % of gross income less fixed monthly expenses

Using the calculation methods above, you could qualify for


Medium Credit

Finance Amount

$395,940.94

Down Payment

10.000 %


Total Home Worth

$439,934.38


Principal and interest

$1,723.16

Property tax

$458.27

Association dues

$0.00

PMI

$138.58

Insurance and other costs

$80.00


Total payment

$2,400.00



Good Credit

Finance Amount

$485,539.82

Down Payment

10.000 %


Total Home Worth

$539,488.69


Principal and interest

$2,113.10

Property tax

$561.97

Association dues

$0.00

PMI

$169.94

Insurance and other costs

$80.00


Total payment

$2,925.00


Calculator tips

This calculator computes how much you might qualify for, but does not actually qualify you for a loan. Indeed, you may qualify for more or less than the amounts presented here based on your individual situation.

In particular, the example PMI is only an estimate, and may vary based on many factors including but not limited to your loan type, credit worthiness, and where you live.

Calculator disclaimer

The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.

Presented by TimeValue Software ©2025

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