Mortgage Calculators

Estimate payments, affordability, and refinance savings

$85,000
$30K$500K
$450

Car loans, student loans, credit cards, etc.

$40,000
$0$500K

Estimated Pre-Approval Amount

$0$1,500,000

$269,258

Best rate: 6.250% via USDA Loan

Credit Tier

Good

700-739

Max DTI

38%

Back-end

Programs

3

Available

Your Current Debt-to-Income6.4%

31.6% DTI capacity remaining for housing

Free, no obligation. Takes about 3 minutes.

Loan Programs You May Qualify For

🏠

Conventional

Eligible

Est. Rate

6.375%

Min Down

3%

Max Approval

$255,961

Mo. Payment

$1,982

PMI required (removable at 20% equity)

Standard financing with competitive rates. PMI required under 20% down.

🏛️

FHA Loan

Eligible

Est. Rate

6.125%

Min Down

3.5%

Max Approval

$262,394

Mo. Payment

$1,982

PMI required (removable at 20% equity)

Government-backed with low down payment. Great for first-time buyers and lower credit scores.

🎖️

VA Loan

Not Eligible

Zero down payment for veterans. No PMI. Competitive rates with VA funding fee.

Best Match
🌾

USDA Loan

Eligible

Est. Rate

6.250%

Min Down

0%

Max Approval

$269,258

Mo. Payment

$1,983

Zero down for rural/suburban areas. Income limits apply. Guarantee fee instead of PMI.

💎

Jumbo Loan

Not Eligible

For homes above conforming limits. Requires strong credit and higher down payment.

Tips to Increase Your Approval Amount

  • 1

    Pay down existing debts

    Lowering monthly obligations directly increases your housing budget

  • 2

    Improve your credit score

    Higher scores unlock better rates and higher DTI allowances

  • 3

    Increase your down payment

    More money down means more buying power and no PMI at 20%+

  • 4

    Consider a longer loan term

    30-year terms have lower monthly payments than 15-year

  • 5

    Add a co-borrower

    Combined income can significantly increase your approval amount

This is an estimate for educational purposes only and does not constitute an official pre-approval. Actual pre-approval amounts depend on lender-specific underwriting criteria, property appraisal, employment verification, and other factors. Interest rates shown are estimates based on current market conditions. Contact a licensed loan officer for an official pre-approval letter.

Need help understanding your results?

Our mortgage experts can walk you through your options, explain the numbers, and help you find the best loan for your situation.