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Mortgage Loan Pre-Approval Estimator

Get a rough idea of how much mortgage you might qualify for based on your income, debts, target debt-to-income ratio, interest rate, and down payment. This is for illustration only and is not an official pre-approval or financial advice.

Before taxes and deductions (your household total, if applying jointly).
Car loans, credit cards, student loans, personal loans, etc.
Common lender targets are often around 36–45%.
As a percent of the home price (e.g., 10 = 10%).
Rough monthly total for property tax, homeowners insurance, HOA.
Estimated borrowing capacity

Enter your details on the left and tap Estimate Pre-Approval to see an approximate maximum monthly mortgage payment, loan amount, and home price.

This tool uses simple DTI and mortgage math only. Actual lender decisions also consider credit score, employment history, reserves, property type, and specific underwriting rules.
How this estimator works
  • Finds a maximum monthly debt limit using your chosen DTI% × gross monthly income.
  • Subtracts current monthly debts to find room for housing costs.
  • Subtracts your estimate of taxes, insurance, and HOA to isolate principal & interest (P&I).
  • Uses the mortgage payment formula to convert P&I into a loan amount, then adds your down payment share to estimate a home price.

Use this as a conversation starter with a loan officer or financial professional—not as a guarantee. Rates, terms, and underwriting guidelines change frequently.

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