What Home Price Fits Your Monthly Budget?
Start with the payment you want. See what that could mean for your home search.
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Your numbers
Includes the mortgage payment, estimated taxes, homeowners insurance, mortgage insurance, and HOA. Budget separately for utilities and maintenance.
Down payment only—not your total savings. Keep closing costs and emergency savings separate.
Use a lender quote if you have one. The example below is not a current rate quote.
Adjust taxes, insurance & loan details
Applied only when the down payment is below 20% of the home price.
The property-tax percentage is a planning approximation. Actual taxes and insurance depend on the property. Insurance and HOA stay the same dollar amounts in both scenarios unless you change them. This tool uses a fixed-rate model. FHA, VA, and USDA fees use currently published rates and assume the upfront fee is added to the loan. It doesn’t include points or other closing costs.
Your two scenarios
At your monthly target
With $250 more left each month
These are two different home-price scenarios based on your budget—not two payments for the same home.
Assumptions in use
Estimates only, based on the assumptions shown. This tool does not assess income, debts, credit, program eligibility, or loan limits. A result is not a loan approval, rate quote, offer, or commitment to lend, or a determination of what you qualify for.
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