Affordability Calculator

The short answer: what you can afford comes down to your income, your monthly debts, and the debt ratios your loan program allows. The calculator below runs those numbers. The ratios used here are the top end of the guidelines; automated vs manual underwriting and VA residual income rules can lower the max. Service members, include your verified BAH as income.

Wondering what purchase price you can afford and can get qualified for?

Use the following calculator to get more information.

Note: The allowable debt ratios in these calculators are based on the very top ratios allowed by underwriting guidelines.

Other factors like automated vs manual underwriting approval or residual income guidelines (for VA loans) also apply. These factors can lower the maximum allowable loan amount.

Service members should include verified BAH in the income box. The BAH rate for your duty station is tax-free, which is part of why VA affordability often works out better than a conventional pre-approval suggests.