Rates change daily — compare options before you lock.Tip: Use the MLS Monthly Cost tool before you tour homes.Grants may reduce upfront cash needed — check eligibility.New Construction: ask about rate buydowns + closing cost credits.Paying just a little extra can save thousands in interest.Shop insurance early — it can change your payment a lot.HOA fees can change affordability — confirm monthly/annual costs.Ask about assumable mortgages — you may inherit a lower rate.Sellers: estimate net proceeds before you list.Buy before you sell? Compare the timing. Rates change daily — compare options before you lock.Tip: Use the MLS Monthly Cost tool before you tour homes.Grants may reduce upfront cash needed — check eligibility.New Construction: ask about rate buydowns + closing cost credits.Paying just a little extra can save thousands in interest.Shop insurance early — it can change your payment a lot.HOA fees can change affordability — confirm monthly/annual costs.Ask about assumable mortgages — you may inherit a lower rate.Sellers: estimate net proceeds before you list.Buy before you sell? Compare the timing.

Home Affordability

This tool estimates an affordability range using a simple payment target and basic assumptions. Planning/education only — not a loan approval.

Run DTI Pre-Check Mortgage Calculator

Estimated Results

Target Housing Payment (est.)
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Estimated Max Home Price (est.)
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Estimated Loan Amount (est.)
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This is a simplified estimate. Real affordability depends on credit score, program (FHA/VA/USDA/Conventional), interest rate, property taxes/insurance, HOA, and other factors.

Down Payment Grants

Ask about Down Payment Grants, forgivable loans, and buy-down credits.

Check what Down Payment Grants you may qualify for

Live Mortgage Rates

View live rate indices by loan type.

View Live Mortgage Rates