Mortgage Affordability Calculator

What Can I Afford?

Discover your home buying budget based on biblical stewardship principles

Monthly Gross Income (pre-tax)

Existing Monthly Debt Payments

Expected Interest Rate (%) — Current US average: 6.11%

Loan Term

Conservative (28% DTI) ✓ RECOMMENDED

Max Mortgage Payment

Affordable Home Price

Minimum Down Payment Required: $0 (3.5% FHA)

Standard (36% DTI) Typical Bank Qualification

Max Mortgage Payment

Affordable Home Price

Minimum Down Payment Required: $0 (3.5% FHA)

Aggressive (43% DTI) FHA Maximum — Not Recommended

Max Mortgage Payment

Affordable Home Price

Minimum Down Payment Required: $0 (3.5% FHA)

Biblical Stewardship Recommendation

Biblical stewardship encourages living below your means. We strongly recommend the Conservative (28% DTI) approach to maintain financial margin, reduce stress, and honor God with your resources.

"Through wisdom is an house builded; and by understanding it is established"

— Proverbs 24:3 KJV