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The most comprehensive free mortgage affordability calculator in the US. Get your Bank Max, Comfortable, and Honest numbers — plus a printable bank-ready report — in under 3 minutes.
New here? Start with the Scenario Explorer (2 min) to find your best path, then continue to the Full Calculator for your complete loan picture.
Annual income, monthly debt payments, down payment, and state.
We calculate your Applicant Strength Score and flag any issues to fix before applying.
Bank Max, Comfortable, and Honest — with full monthly payment breakdown including tax, insurance, and PMI.
One click. Printable. In the format lenders expect. Walk in prepared.
Model single or dual-applicant scenarios. The calculator uses the lower middle FICO for rate qualification — exactly how lenders do it.
100-point score aligned to Freddie Mac's 4 Cs: Capacity, Capital, Credit, and Collateral. Know where you stand before you walk into a bank.
Bank Max (what they'll lend), Comfortable (what you can live with), and Honest (what you can actually afford). Most calculators only show one.
Pulls real-time rates from the Federal Reserve (FRED API). No outdated defaults — your numbers reflect today's market.
Generate a printable submission report in the format lenders expect. Bring it to your first meeting and walk in prepared.
Closing cost breakdown for all 50 states. Know your full cash-to-close number — not just the down payment.
Side-by-side comparison of Conventional 30yr, Conventional 15yr, and FHA. See the real cost difference over the life of the loan.
5-year and 10-year wealth position comparison. See exactly when buying beats renting in your specific situation.
Most calculators show you what the bank will lend. That's not the same as what you should borrow.
The maximum a lender will approve based on your debt-to-income ratio. This is the ceiling — not the target.
Borrowing this much leaves no buffer for rate rises, job changes, or life.
What you can afford while still saving, investing, and living your life. Calculated at 28% front-end DTI.
A good target for most buyers in stable employment.
The number that won't stress you out when rates rise or life happens. Stress-tested at +2% above current rate.
This is the number to build your property search around.
Yes. No credit card, no sign-up, no trial. The calculator is free because we make money selling books — not selling your data.
Rates are pulled live from the Federal Reserve Economic Data (FRED) API. They update daily and reflect the current national average 30-year fixed rate.
Bank Max is what a lender will approve based on your DTI ratio. Honest is stress-tested at +2% above the current rate — it's the number that won't break you if rates rise or your income changes.
House hacking means buying a multi-unit property (duplex, triplex) or a home with an ADU, living in one unit, and renting the others. The rental income offsets your mortgage — sometimes to zero. The Scenario Explorer shows you exactly how much.
No. The calculator runs entirely in your browser. Nothing is stored on our servers unless you choose to generate and download a report.