Affordability calculator

Home affordability calculator for purchase planning.

If you are thinking about buying a home, a rough affordability estimate can help you compare payment comfort with the information a lender may later review, including income, debts, credit, down payment, and property details.

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No hard credit pull to askHome Loan Matcher does not pull credit for a question or rate request.Atlas Harbour ownedHome Loan Matcher is owned by Atlas Harbour and keeps a clear opt-in trail.All 50 statesRequests can include purchase, refinance, FHA, VA, conventional, cash-out, and reverse mortgage scenarios.Not a lenderRates, terms, approval, and availability require mortgage professional or lender review.

Ready for a personal follow-up?

Check rates for this scenario.

Send the basics from this page and Stephen will see the request in the HomeLoanMatcher command center. The form keeps the source page and opt-in language with the inquiry.

Name Phone State Purpose Loan type Credit range Loan amount Best time

By clicking the button or submitting your information, you opt in to be contacted by Home Loan Matcher, Atlas Harbour, or a mortgage professional regarding your inquiry by phone, text, or email. Message and data rates may apply. You can opt out at any time on the opt-out page.

Crawlable rate reference

Public mortgage rate snapshots for comparison.

These examples use a $350,000 principal-and-interest-only loan so visitors and search engines can understand the rate context before a personal follow-up request.

Refreshed May 30, 2026

Mortgage News Daily

Daily index

6.65%

Loan: 30-year fixed index
APR: See source
$350k P&I: $2,247/mo

Fallback from last public check.

Source: Mortgage News Daily

Mortgage News Daily

Daily index

5.94%

Loan: 15-year fixed index
APR: See source
$350k P&I: $2,942/mo

Fallback from last public check.

Source: Mortgage News Daily

Freddie Mac national average

Weekly survey

6.51%

Loan: 30-year fixed
APR: See source
$350k P&I: $2,215/mo

Fallback from last public PMMS check.

Source: Freddie Mac PMMS

Florence Bank

0 points

6.125%

Loan: 30-year fixed
APR: 6.265%
$350k P&I: $2,127/mo

Fallback from last public lender PDF check.

Source: Florence Bank rates

Public examples only. Home Loan Matcher is not a lender and does not guarantee rates, terms, approvals, availability, or pricing. Actual options depend on borrower, property, program, points, fees, location, lock timing, and lender review.

Income and debts

Monthly income and existing monthly debts are common inputs when reviewing payment comfort and debt-to-income range.

Down payment

Down payment affects loan amount, equity, potential mortgage insurance, and which programs may be worth discussing.

Program fit

FHA, VA, and conventional programs can have different requirements, costs, and documentation paths.

Next step

Ask a mortgage professional what documentation and program options may fit before writing offers or changing your budget.

Common questions

Is affordability the same as loan approval?

No. Affordability is a planning estimate, while approval depends on lender review and documentation.

Can VA or FHA change my buying power?

They may affect down payment, mortgage insurance, fees, and guidelines, so they are worth discussing when applicable.

Should I use gross or take-home income?

Lenders often review gross income, but your own payment comfort should consider take-home pay and household budget.