What You Can Actually Afford
Most mortgage calculators tell you the largest loan a bank will approve, then sell your email to a broker. This one tells you what the payment costs you every month, whether a lender would actually sign off, and how that compares to what homes in your town really cost.
Open the calculator Free, instant, no signup
Start with your state
- Washington 39 counties
What makes this different
Zero-down loans, compared honestly
VA, credit-union 100% financing and FHA side by side with conventional — including the funding fees that get financed into the balance and the rate premium you pay for putting nothing down. Most calculators pretend those do not exist.
It tells you when a lender says no
Debt-to-income ceilings are shown, not hidden. Name a payment your income will not support and the tool flags it instead of quietly handing you a number no underwriter would fund.
Measured against real local prices
The gap between what you can afford and what homes in your town actually cost is the only number that answers “can I live here.” That comparison is the whole point.