Mortgage

House affordability at my credit score

Educational max home price from income, debts, down payment, and score-band APR.

Estimate a home price from income, debts, down payment, and a score band. Educational DTI caps and illustrative rates only - not underwriting or a loan offer.

Annual gross income ($)

Monthly debts ($)

Recurring minimums excluding the new mortgage

Down payment ($)

Credit score band

Higher (about 740+) (~6.5% educ.)Good (about 700-739) (~6.9% educ.)Fair (about 660-699) (~7.5% educ.)Building (about 620-659) (~8.5% educ.)Limited (under about 620) (~9.75% educ.)

Loan term

30-year15-year

Affordability estimate

$341,143.27

estimated max home price

Monthly P&I: $1,983.33
Max loan: $301,143.27
Illustrative rate: 6.9%
Front-end DTI: 28%
Back-end DTI: 33.6%

Illustrative principal and interest only at an educational rate for the score band. Real payments add taxes, insurance, and HOA; lenders set their own overlays. Not an approval or rate quote.

Educational estimates only. Not credit repair advice, not a guarantee of score changes or loan approval. Results vary; we are not a lender or law firm.

Affordability estimate

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