Maximum mortgage calculator
Find out how much mortgage you could qualify for.
Enter your income and monthly debts to see the largest mortgage you could get under three financing options.
Switch to the purchase price calculatorYour finances
Choose a financing option
You could qualify for up to
Minimum Down · Insured · 25-Year$468,976
Monthly payment
$2,473
at 3.99% over 25 yrs
Qualifying ratios
37% / 42%
GDS / TDS used
The breakdown
Annual income
$120,000
Monthly debts
$0
Rate · amortization
3.99% · 25 yrs
Qualifying rate
5.99%
Maximum mortgage by option
Not sure which option fits?
A licensed broker can compare these scenarios against real lender rates. Free, no obligation.
Rates, down payments and ratios shown are examples you can edit, not rate offers. Stress-tested at your rate + 2% (floor 5.25%). Property tax (~0.85%/yr) and $150/mo heat are included in the qualifying calculation. Homes over $1.5M require at least 20% down and cannot be insured.