Free Tool
Maximum Mortgage Calculator — what you qualify for
Enter your annual income and monthly debts to see the maximum mortgage you'd qualify for under three financing options.
By Income
How much you'd qualify for$40,000$500,000
Minimum Down
Insured · 25-Year
Amortization
Annual Income$120,000
Monthly Debts$0
Amortization25 yrs
GDS / TDS37% / 42%
Max Mortgage$468,976
20% Down
Uninsured · 30-Year
Annual Income$120,000
Monthly Debts$0
Amortization30 yrs
GDS / TDS39% / 44%
Max Mortgage$520,563
35-Year
20% Down · Lowest Payment
Annual Income$120,000
Monthly Debts$0
Amortization35 yrs
GDS / TDS50% / 50%
Max Mortgage$687,292
Rates, down payments and ratios shown are examples you can edit. Stress-tested at your rate + 2% (floor 5.25%). Property tax (~0.85%/yr) and $150/mo heat are included in the qualifying calculation.
Not sure which option fits?
A licensed broker can compare these scenarios against real lender rates — free, no obligation.