Based on a 45% debt-to-income limit, your estimated all-in monthly payment is about $4,000. This is an estimate. Your exact budget, rate, and program come from Brandon.
Estimates for informational purposes only. Not a commitment to lend or a guaranteed rate or approval. Actual budget, rates, payments, and approval depend on your full profile.
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Leave your name and an email or phone number and Brandon will confirm your real price range, payment, and the program that fits, and get you pre-approved. No pressure and no obligation.
Thank you! Brandon will reach out shortly with your exact numbers. For anything urgent, call or text 832-997-1527.
How this estimate works
Lenders decide how much house you can afford using your debt-to-income ratio. The calculator takes your gross monthly income, multiplies it by your DTI limit, and subtracts your other monthly debt payments. What is left is your maximum monthly housing payment. From that payment it removes estimated Texas property taxes, homeowners insurance, and any HOA dues, leaving the amount available for principal and interest. It then works backward through the loan formula at your rate and term to find the loan amount, and adds your down payment to reach the maximum home price. Change any input to see your number update instantly.
Get your exact budget
Book a quick call with Brandon Huynh, NMLS #2522494. This calculator gives an estimate. Brandon confirms your real price range, payment, and the program that fits after a short conversation, and can get you pre-approved so your offer stands out.
Book a Call or call/text 832-997-1527
Explore your Houston loan options
Different programs change your down payment, rate, and how much you can afford. Compare the options that fit your situation:
- Houston mortgage payment calculator — estimate the monthly PITI on a specific price.
- Bank statement loan income calculator — for self-employed buyers who qualify on deposits, not tax returns.
- DSCR loan calculator — for rental properties that qualify on cash flow.
- Mortgage pre-approval Houston — lock in your budget so your offer is credible.
- First-time homebuyer Houston — programs and down payment help for new buyers.
- Conventional loans Houston — as little as 3% down for W-2 buyers.
- Máy tính khả năng mua nhà (Tiếng Việt) — the same tool in Vietnamese.
Frequently Asked Questions
How much house can I afford?
Lenders start with your debt-to-income ratio. They take your gross monthly income, multiply by a limit near 45 percent, subtract your other monthly debt payments, and use what is left as your maximum housing payment. That payment, your down payment, and the interest rate set the maximum home price.
What debt-to-income ratio do lenders allow?
Most conventional programs allow a back-end debt-to-income ratio up to about 45 percent, and some non-QM and government programs go higher. This calculator uses 45 percent by default and lets you change it.
Does my down payment change how much house I can afford?
Yes. A larger down payment lowers your loan amount for the same payment, which raises the price you can buy and can remove mortgage insurance once you reach 20 percent down.
Why are Texas property taxes part of the calculation?
Texas property taxes run higher than the national average and your lender collects them monthly in escrow, so they use part of your monthly budget and lower the loan amount you qualify for. This calculator builds them in.
Can Brandon tell me my exact budget?
Yes. This calculator gives an estimate. Brandon confirms your exact price range, payment, and program after a short conversation and a look at your full profile. Call or text 832-997-1527.