What can you actually afford?

Two rules decide how much house a lender will let you buy: your housing payment against your income, and all your debts against your income. Put your numbers in below and see your own honest range before we ever start touring.

🔒 Private · stays on your device

Your income and debts

Gross monthly incomebefore taxes, all earners

Monthly debt paymentscar, cards, student loans, min. payments

Your loan

Down payment

Interest rate

Loan term

Florida cost defaultsSensible starting points for Florida. Edit them to your own quotes; insurance especially is the number that surprises people here.

Property tax, per yearshare of home value

Homeowner’s insurance, per yearshare of home value

HOA / condo dues, per month

Closing costsshare of price, added to cash

Your estimated max home price

The lower of the two rules below. This is the honest ceiling, not a target; the right home is often below it.

Monthly payment at that price

P&I, taxes, insurance, dues

Estimated cash to close

down payment + closing costs

28% housing ruleBindinghousing payment vs. income $0

36% total-debt ruleBindingall debts vs. income $0

This is an estimate to orient your search, not a pre-approval. The real number comes from a lender’s Loan Estimate, which reflects your credit, the exact loan program, and quotes on a specific address. Use this to know your range; use the Loan Estimate to write an offer.

Nothing here is sent to me or saved anywhere. Your income, debts, and down payment stay in your browser on this device. Bring what this shows and we will pressure-test it against real lender and insurance numbers together.

Keller Williams Gainesville Realty Partners

Kane Brooks, Realtor® · Keller Williams Gainesville Realty Partners · Each Office Is Independently Owned and Operated.