How Much House Can I Actually Afford?

Your budget matters more than your wishlist. Enter your income, debts, and down payment to find your real number, not the number Zillow shows you.

Complex Income Affordability Calculator — Loan Some Dough
Income Type
W-2 / Traditional
Bank Statement
Asset Depletion
Retirement Income
Annual Gross Income$120,000
$
$0$2M
Co-Borrower Income (optional)$0
$
$0$500K
Avg Monthly Deposits$15,000
$
$0$500K
12–24 month average. Personal accounts use 90%, business accounts use 50% of deposits.
Account Type
Total Investable Assets$1,000,000
$
$0$10M
Brokerage, IRA, 401(k). Nothing is liquidated — assets are converted to qualifying income.
Account Type
Depletion Term
Additional Monthly Income$0
$
$0$20K/mo
Social Security, pension, rental income, etc.
Social Security$2,000/mo
$
$0$10K
Pension$0/mo
$
$0$10K
IRA / 401(k) Distributions$0/mo
$
$0$10K
Other Income$0/mo
$
$0$10K
Loan Details
Interest Rate7.250%
%
2%15%
Loan Term
Down Payment$80,000
$
$0$2M
Monthly Obligations
Existing Debt Payments$500/mo
$
$0$10K
Car payments, student loans, minimum card payments.
Property Tax (yearly)$4,800/yr
$
Insurance (yearly)$1,200/yr
$
Max Loan Amount
$—
— estimated purchase price
Principal Interest
$—P&I only
$—Qualifying income/mo
$—Total interest
$—Total paid
Payment Breakdown
Principal & Interest$—
Property Tax$—
Insurance$—
Existing Debts$—
Total Monthly $—
Debt-to-Income Ratio
Your DTI —%
0%36% ideal43% conv. max50%+
Enter your income details above to see your DTI analysis.

This calculator provides estimates for informational purposes only and does not constitute a loan commitment or a pre-approval. Actual qualificiation depends on credit score, lender guidelines and full underwriting review.

Roxy Miles
NMLS#2464939

Complex Loans. Fun Lender.
Self-employed, retired and high-net-worth borrowers who don't fit traditional lending. Bank statement loans, asset depletion, reverse mortgages, jumbo financing and first lien HELOC strategy.