How Much Can I Afford

Your trusted mortgage partner. Helping you find the perfect loan for your home.

How Much Can I Afford

How Much Home Can You Afford?

Your Information

Your Results

Estimated Monthly Payment

This is an Estimate

Don't Forget Closing Costs

Get Pre-Approved

Quick Links

Tools & Resources

Contact

Tools & Guides

Financial Planning Tool

Get a personalized estimate based on your income, debts, and down payment. This calculator uses standard lending guidelines to show you a realistic budget.

Car loans, credit cards, student loans, etc.

Current estimated rate: %

Maximum Home Price

Based on % front-end DTI

We recommend shopping at 80% of your max for breathing room

*Lenders typically prefer front-end DTI under 28% and back-end under 43%

Actual loan amounts depend on credit score, employment history, and lender requirements. Get pre-approved for exact numbers.

Budget an additional 2-5% of the home price for closing costs, including lender fees, appraisal, and title insurance.

Ready to take the next step? Get pre-approved to know exactly how much you can borrow and show sellers you're serious.

Or call us at

Mortgage Loan Officer

NMLS #

Call Now

Text Message

Quick response

Schedule Meeting

Book a time

Apply Now

Start application

The Elevated Lending Partners

Empire Home Loans, Inc.

Your trusted mortgage partner for home loans across AZ, FL, GA, and TN.

The Elevated Lending Partners

navigate(l.path)} className="text-sm font-medium transition-colors" style= >
Loan Programs
} className="block w-full text-left px-4 py-2.5 text-sm transition-colors hover:bg-stone-50" style= >
Resources
} className="block w-full text-left px-4 py-2.5 text-sm transition-colors hover:bg-stone-50" style= >First-Time Buyer Guide
} className="block w-full text-left px-4 py-2.5 text-sm transition-colors hover:bg-stone-50" style= >Home Seller Guide
} className="block w-full text-left px-4 py-2.5 text-sm font-semibold bg-stone-50" style= >Affordability Calculator
} className="block w-full text-left px-4 py-2.5 text-sm transition-colors hover:bg-stone-50" style= >View All Articles →
navigate('/contact')} className="px-6 py-2.5 rounded-lg text-white text-sm font-medium transition-all hover:shadow-lg" style= > Get Started
setMobileMenuOpen(!mobileMenuOpen)}>
} className="block w-full text-left text-sm font-medium py-2" style= >
} className="block w-full text-left text-sm font-semibold py-2" style= >Affordability Calculator
} className="block w-full text-left text-sm py-2" style= >First-Time Buyer Guide
} className="block w-full text-left text-sm py-2" style= >Home Seller Guide
setCreditScore(score)} className="px-3 py-2 rounded-lg text-sm font-medium transition-all capitalize" style= >
setLoanTerm(term)} className="flex-1 px-4 py-2 rounded-lg text-sm font-medium transition-all" style= > Years
setShowResults(true)} className="w-full py-3 rounded-lg font-medium text-white transition-all hover:shadow-lg" style= > Calculate My Budget
navigate('/contact')} className="px-10 py-4 rounded-lg font-medium text-white transition-all hover:shadow-xl hover-lift inline-flex items-center gap-2" style= > Get Pre-Approved Today
window.open(branding.meetingLink, '_blank')} className="w-full flex items-center gap-3 px-3 py-2.5 rounded-xl hover:bg-gray-50 transition-colors text-left"> Schedule Meeting Book a time
navigate(l.path)} className="text-sm text-stone-400 hover:text-white transition-colors">
navigate('/how-much-can-i-afford')} className="text-sm text-white font-medium"> Affordability Calculator
navigate('/first-time-buyer-guide')} className="text-sm text-stone-400 hover:text-white transition-colors"> First-Time Buyer Guide
navigate('/seller-guide')} className="text-sm text-stone-400 hover:text-white transition-colors"> Seller Guide

How Much Can I Afford | Ashley Shannon | Elevated Lending Co