Affordability by the ratio you set
Every field is blank on purpose. The price appears as soon as the required fields are filled.
Estimated price at the limits you chose
The result is a calculation on your figures. It is not a guaranteed saving or an offer.
Loan amount plus your down payment, at the rate and term you entered.
With these debts and limits, no room is left for a housing payment. Lower the debts or raise a limit to see a price.
The loan in this scenario is above $832,750, FHFA's 2026 baseline limit for one-unit homes in most areas. Loans above the local limit are often called jumbo loans and can come with other terms.
Of which principal and interest-
Three scenarios from your inputs
The loan in this scenario is above $832,750, FHFA's 2026 baseline limit for one-unit homes in most areas. Loans above the local limit are often called jumbo loans and can come with other terms.
The loan in this scenario is above $832,750, FHFA's 2026 baseline limit for one-unit homes in most areas. Loans above the local limit are often called jumbo loans and can come with other terms.
The loan in this scenario is above $832,750, FHFA's 2026 baseline limit for one-unit homes in most areas. Loans above the local limit are often called jumbo loans and can come with other terms.
For illustrative purposes only. Not a loan offer or commitment to lend. Cindrus is not a lender, mortgage broker or loan originator, we pass no information to lenders, and no lender pays us.
This range is not a loan offer, a personal recommendation or an assessment of whether you would be approved for a loan.
This calculator does not assess your eligibility for a mortgage or represent a lender's affordability assessment.
Basis: your income, your debts, the limits you picked and the housing costs you typed. The rate and costs you can actually get may differ.
- Monthly income is your yearly income divided by 12.
- The rate is the one you entered and stays the same for the whole term.
- Property tax and insurance grow with the price in the way you entered them.
- Closing costs and cash reserves are not taken out of the down payment.
Your next step.
Take the result with you.
Free. No account.
- Write down the figures you used: you find them under «Understand the number».
- Ask what it costs in total, not only what the payment will be.
- Ask whether the rate is fixed and what can change it.
- Ask for the offer in writing, so you can compare it calmly.
- Ask what is not included in the figure.
Ready to talk to the bank?
Your figures and the right questions, on one page.
- Costs and rate
- Fees and remaining balance
- The assumptions behind the figure
Follow your loan.
Your loan and your calculations, in one place.
- Your calculations saved in one place
- Your financial overview
The account is free.
The calculator is free without an account. Not personal advice.
Your bank conversation
Ask the bank about these six things.
Based on your calculation. Not personal advice.
How the price range is worked out
First the calculator finds the most housing can cost each month: the lower of your housing limit times monthly income, and your total debt limit times monthly income minus the debts you pay now.
Then it searches for the price where principal and interest on the loan, plus tax, insurance, PMI and HOA dues, add up to that monthly figure. The loan is the price minus your down payment.
Federal rules do not set one maximum debt-to-income ratio. Under the CFPB's ability-to-repay rule, a lender has to consider debt-to-income or residual income, and loan programs publish their own limits. That is why the limits here are yours to choose.
- 12 CFR 1026.43(c), Regulation Z: Minimum standards for transactions secured by a dwelling, and comment 43(c)(7)-1 (consumerfinance.gov, read 10/18/2026)
- Fannie Mae Selling Guide B3-6-02: Debt-to-income ratios (selling-guide.fanniemae.com, published 10/07/2026; reference only, figures not reproduced)
- FHFA: Conforming loan limit values for 2026 (fhfa.gov, announced 11/25/2025, read 10/21/2026)
- CFPB: What is private mortgage insurance? (consumerfinance.gov, read 10/19/2026)
Sources
- CFPB: Regulation Z §1026.43, Minimum standards for transactions secured by a dwelling, with official interpretation
- CFPB: «What is a debt-to-income ratio?»
- CFPB: «What is private mortgage insurance?»
- FHFA: «FHFA Announces Conforming Loan Limit Values for 2026» and «Conforming Loan Limits»
- Fannie Mae Selling Guide B3-6-02 «Debt-to-Income Ratios»