Home affordability calculator
Plug in your income, monthly debts, and loan assumptions to estimate how much home price might fit comfortably within your target debt-to-income ratio.
Income, debts & assumptions
Gross annual income
$
Combined before-tax income for all borrowers.
Monthly debt payments
Non-housing
$
Auto, cards, student loans, etc. Don't include rent or mortgage.
Max total DTI
Backend ratio
%
Total debts (including housing) divided by gross monthly income.
Interest rate
Annual, fixed
%
Loan term
Down payment
%
Either a percentage of the price or a flat dollar amount.
Property tax rate
Annual, % of price
%
Estimated annual taxes divided by home value.
Homeowners insurance rate
Annual, % of price
%
Rough rule of thumb. You can adjust for your scenario.
Monthly HOA dues
$
Set to 0 if the property has no HOA.
PMI (if LTV > 80%)
Annual rate
%
Estimated private mortgage insurance cost. Actual PMI varies.
This tool uses standard DTI math and rough tax/insurance assumptions
to estimate an affordable price. It’s not a commitment to lend or a
substitute for a full pre-approval.
Estimated maximum home price
$0
Enter your income, debts, and loan assumptions to see what may fit.
Estimated monthly housing payment
$0
Principal & interest
$0
Property taxes (est.)
$0
Homeowners insurance (est.)
$0
HOA dues
$0
PMI (estimated)
$0
What if things change?
If rates were 1% lower:
—
If debts were $200/mo less:
—
Principal vs. interest over time
Once you enter your info, we’ll show your estimated DTI, loan amount,
down payment, and total interest over the life of the loan.
An online calculator is a starting point. A full pre-approval with
current Nebraska guidelines is where the real numbers live.