How much house you can afford depends on your income, monthly debts, credit score, down payment, and current mortgage interest rates. Most lenders look at your debt-to-income ratio (DTI) to determine a comfortable monthly payment. A mortgage pre-approval gives you the most accurate picture of your true homebuying budget.
How much house can I afford?
July 24, 2026
From the blog
Learn more with articles from our blog.
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When you're ready to buy.
1
Apply online
A local loan officer will review your information and give you an estimate of what you could spend on a home — without affecting your credit.
2
Get expert help
Ask about first-time homebuyer programs, down payment assistance, and other options you may not know you qualify for.
3
Find your home
Your local team stays with you at every step — answering questions and helping you land the right loan for your situation.
