budget
know your money.
Two numbers matter before you shop: what you can comfortably pay each month, and how much cash you may need to get to keys.
buying power
what you can actually afford.
Three inputs, one honest ceiling. Approved is not the same as affordable.
step 1
Before taxes. This is where lenders usually start.
step 2
monthly debts
Only what shows up on your credit report. Rent, utilities, phone, and streaming don't count. Enter the monthly payment for each. The app totals them for you.
No debts logged. Add one below, or leave it empty if you truly have none.
step 3
Not the maximum. The number you could pay and still have a life.
step 4 · your buying power
your working buying power.
Add your gross monthly income above to see your working buying power.
try a home price
Move the price and watch what happens.
Estimated principal, interest, property taxes, and homeowners insurance.
Estimated housing payment plus monthly debts compared with gross monthly income.
What's this?
Mortgage lenders call this debt-to-income ratio, or DTI. It compares monthly debt obligations with gross monthly income. Different lenders and loan programs can use different limits.
Grants can shrink cash-to-close. See programs worth checking.