Why it matters
The amount you qualify for and the amount that fits your life aren't always the same. Your budget should leave room for savings, travel, kids' activities, and the unexpected.
What goes into your monthly payment
- Principal and interest
- Property taxes
- Homeowners insurance
- Mortgage insurance, if your loan has it
- HOA dues, if the home has them
Taxes, insurance, and HOA dues can change your payment a lot from one neighborhood to the next, so we include them from the start.
How we help
Tell us the payment you're comfortable with and we'll work backward to a price range, down payment, and loan that fit.
Frequently asked questions
Should I buy at the top of my approval?
Only if the payment feels comfortable. We'll show you a few price points side by side.
Related: How Much House Can I Afford? · Affordability Calculator