Home Affordability
The complete picture in one place: what a lender will approve you for, whether the payment will actually fit your real budget, and when you'll have enough cash to buy.
Your finances
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Loan assumptions
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A lender will likely approve you for
$0
— price range
- Max monthly housing budget$0
- Gross monthly income$0
- Existing monthly debts$0
- DTI used36%
At your max price
- Estimated monthly payment (PITI)$0
- Loan amount$0
- Down payment %0%
- PMI required?No
Approved vs. comfortable: Just because a lender will doesn't mean you should. Check the Monthly fit tab to see if the payment actually fits your real budget.
Income & housing change
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Bills & insurance
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Debt payments
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Daily living
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Find recurring charges you forgot about
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Lifestyle & future planning
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After your new mortgage payment
$0 left
— per month
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Today vs. after buying
- Take-home income$0
- Today's outflow (rent + everything)$0
- After buying (mortgage + everything)$0
- Net change per month$0
- Surplus / deficit after buying$0
Housing as % of take-home
- Mortgage / take-home0%
- Comfort zoneunder 28%
- Stretched zoneover 36%
Reading the result: Green = real breathing room. Yellow = tight; anything unexpected becomes painful. Red = the payment doesn't fit; aim lower on the Max price tab.
Your goal
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Loan assumptions (used to estimate your future payment)
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Your savings
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Time until you can buy
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— estimated ready date
Cash you'll need
- Down payment$0
- Closing costs estimate$0
- Recommended reserves$0
- Total cash needed$0
Where you stand
- Already saved$0
- Still need$0
- At your savings rate, with interest—
Automate extra payments toward your debt
Changed can help you chip away at credit cards and student loans with automated micro-payments and a personalized payoff plan — freeing up more cash for your down payment.
Reserves explained: Most lenders want to see a few months of mortgage payments in the bank after closing. It also gives you a real safety net if a furnace breaks in month one.