How Much House Can I Afford?

This calculator gives an educational estimate of a comfortable home price and monthly payment based on your income, debts, and the interest rate you enter. It also flags when your ratios fall into a higher-risk range.

Income & Debts

Gross Monthly Income ($)

Before taxes and deductions.

Please enter a valid gross monthly income (0 or more).

Total Monthly Debts ($)

Exclude current rent or mortgage.

Please enter a valid monthly debt amount (0 or more).

Your Comfort Zone

Target Monthly Housing Budget ($)

Optional. If you enter this, we’ll use it (even if it’s higher than the 50% cap) so you can see the impact on ratios.

Please enter a valid target budget (0 or more), or leave it blank.

Loan Type (for context)

This tool flags “danger zone” when total DTI is 50%–56% for FHA/VA planning.

Please select a loan type.

Property & Loan

Estimated Down Payment ($)

Use your best estimate. This is just for planning.

Please enter a valid down payment (0 or more).

Monthly HOA Dues ($)

If none, leave at 0.

Please enter a valid HOA amount (0 or more).

Estimated Annual Property Taxes ($)

Please enter a valid annual property tax estimate (0 or more).

Estimated Annual Homeowners Insurance ($)

Please enter a valid annual insurance estimate (0 or more).

Loan Term (Years)

Please select a loan term.

Quoted Interest Rate (%)

Enter the interest rate you’ve been quoted.

Please enter a valid rate between 0.10% and 20.00%.

We never say “Qualifies.” Results show “May Qualify” only when planning thresholds are met. Actual approval requires full underwriting (and for VA, residual income and lender guidelines).

Status

$—

Suggested maximum home price (educational estimate)

Principal & Interest$—

Property Taxes$—

Homeowners Insurance$—

HOA$—

Total Housing Payment$—

Ratios

Housing Ratio—%

Total DTI—%

Budgets Used

50% Cap Housing Budget$—

Housing Budget Used$—

Loan Amount (est.)$—

Down Payment$—

Next Steps to Fine-Tune Your Plan

Bring these numbers to a quick strategy call and we’ll tighten the plan with real-world details like credit, VA specifics (including residual income), and the property you’re targeting.

Schedule Your Consultation

Educational estimate only. Final approval depends on full underwriting, property, reserves, and lender guidelines.

(772) 618-5058

NMLS Access Portal

Treasure Coast Mortgage, LLC

NMLS# 1958997

NMLS Access Portal

Contact Us

584 NW University Blvd, Suite 711

Port Saint Lucie, FL 34986

(772) 618-5058

Licensing Disclosures | Legal Disclosures

Treasure Coast Mortgage, LLC is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Treasure Coast Mortgage, LLC will never be discouraged on on the basis of race, color, religion, national origin, sex, military status ,marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential. For more information on the ECOA, please visit:

http://www.ftc.gov/bcp/conline/pubs/credit/ecoa.shtm

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