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How Much Mortgage Loan Can I Afford?

Desired mortgage amount for new home

Total number of years on mortgage

Interest rate percentage of mortgage

Monthly property taxes on your new home

Total monthly payments in non-mortgage debt (i.e. car, student loans, credit cards, etc).
Principal & Interest Housing Payment Required Salary
Your gross (pre-taxes) monthly salary must be greater than 28% of the sum of the monthly mortgage and monthly tax payments.
Your gross (pre-taxes) monthly salary must be greater than 35% of the sum of the monthly mortgage, monthly tax and other monthly debt payments.
The prequalification figures above are based upon conventional program guidelines. Other loan programs are available. Calculations by this tool are believed to be accurate, yet are not guaranteed.

If you have less than 20% equity in your home, a monthly mortgage insurance payment may be required.

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