How Much HomeCan You Afford?
Your income, your debts, your down payment — see the home price that keeps the monthly payment comfortable, not just approved.
Home Affordability Calculator
Your maximum home price
$255,115
Based on 41% DTI
A number a lender approves is not the same as a payment that fits
Lenders qualify you with debt-to-income ratios, and those ratios are generous by design — they measure whether you can be approved, not whether you will love the payment. This calculator starts from the same ratios, then lets you see what happens when you aim lower: a smaller price with the same income leaves room in the budget for the things the ratios never count, like daycare, travel, or simply breathing room.
When the number feels right, the next step is a real pre-approval with an Arizona loan officer — the calculator estimates, the pre-approval proves. My team runs both numbers with you, and there is no credit impact to start the conversation.
Want these numbers checked by a human?
Talk to a real Arizona loan officer about what your numbers mean — no obligation, no credit impact to ask.
Licensed in Arizona. NMLS #2280851