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Affordability Calculator

See how much home you can afford.

Enter a few quick numbers and we'll estimate your purchase power in real time — the maximum home price your income and credit can support today. It's a fast, no-pressure way to set your range before you start shopping.

Curious what comes after applying? See the loan journey step by step.

Your numbers

Cash you have available to put down
$
Before taxes and deductions
$
Your W2 gross annual income.
Recurring debt: car payments, credit cards, student loans
$
Sets your estimated interest rate
Estimated rate: 6.40% (30-yr fixed)
Your estimated purchase power
$599,627

The maximum home price your income and credit can support today.

Estimated loan amount$559,627
Est. monthly payment (PITI)$4,300/mo
Max housing payment (49% DTI)$4,300/mo
Down payment applied$40,000
Inside the monthly payment
Principal & interest$3,500/mo
Estimated property tax$625/mo
Estimated homeowners insurance$175/mo
Get Pre-Approved

This is an estimate, not a pre-approval. Talk to a loan officer for a personalized review.

  • Back-end DTI cap of 49%. Your total monthly debt (housing payment plus the expenses you entered) is held at or below 49% of your gross monthly income.
  • 30-year fixed loan. Payments assume a 30-year term at the rate tied to your selected credit score.
  • Rate by credit score. Interest rates are static, illustrative estimates per credit tier — they are not a live quote and will vary by lender, loan program, and market conditions.
  • Estimated property tax of 1.25% and homeowners insurance of 0.35% of the home's value per year are built into the monthly payment (PITI).
  • Figures exclude HOA dues, mortgage insurance (PMI/MIP), and closing costs, which can meaningfully change your real budget.

This calculator is for educational purposes only and provides an estimate, not a pre-approval, commitment to lend, or financial advice. Actual loan terms depend on a full application, verified income and assets, the property, and current rates. Contact 7 Mortgage to get a personalized pre-approval.

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7 Mortgage, LLC · NMLS #2576715 · 15250 Ventura Blvd, Sherman Oaks, CA 91403

7 Mortgage, LLC is a licensed mortgage broker and originates residential mortgage loans only in states where it holds an active license. We do business in accordance with all federal and state fair lending laws, including the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act, and as an Equal Housing Opportunity broker we do not discriminate on the basis of race, color, religion, national origin, sex, marital status, disability, familial status, age, sexual orientation, gender identity, or source of income.

California residents: 7 Mortgage, LLC is licensed by the California Department of Financial Protection and Innovation (DFPI) under the California Financing Law, NMLS #2576715.

This website is an advertisement and is not a commitment to lend or an offer to enter into an interest-rate-lock agreement. All loans are subject to credit approval, income and asset verification, underwriting, appraisal, program guidelines, and property review. Rates, programs, and terms are subject to change without notice and not all applicants will qualify. Any rates, payments, or figures shown — including those produced by calculators or estimate tools on this site — are illustrative estimates only and do not constitute a quote, pre-approval, or commitment.

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