Company Marketcap

Maximum Mortgage Calculator

Enter your income and debts

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Before taxes, for everyone who will be on the loan. Include steady bonus, commission and other income.

$

Car loans, student loans, minimum card payments, child support. Not rent or utilities.

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Monthly costs on top of the loan payment

$/ mo
$/ mo
$/ mo
$/ mo

PMI or FHA premium, if you expect to pay it.

Debt-to-income limits

%

Housing cost / income.

%

Housing + other debts / income.

This finds the largest loan, not the home price. To include a down payment and get a price, use the house affordability calculator.

Your maximum mortgage

Maximum loan amount

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Maximum principal and interest

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Total housing payment

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Total interest over the loan

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How the payment limit is worked out

Gross monthly income–
Front-end limit for housing–
Back-end limit minus other debts–
Housing budget (the lower of the two)–
Less tax, insurance, HOA and mortgage insurance–
Left for principal and interest–

Maximum loan by rate and term

The same principal and interest budget at rates around the one you entered. A longer term stretches the budget further but costs more interest.

Interest rate15-year20-year30-year

Results are estimates for educational purposes and are not financial, tax or legal advice.

Find the largest mortgage loan your income can support. It works out the most you can put toward principal and interest each month under debt-to-income limits, then turns that into a loan amount. Try the house affordability calculator to run your own numbers — everything is calculated in your browser and nothing you enter is stored or sent anywhere.