HomeExpertly
www.homeexpertly.comMortgage Prequalification Calculator (USA)
Find out how much home you'd likely qualify for based on income, monthly debts, DTI limits, down payment, and cash on hand — with Conventional, FHA, VA and USDA rules built in.
Estimate only — not a prequalification letter, preapproval, or credit decision. A lender will verify income, assets, and credit.
Estimated home price you qualify for
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Enter your details and click Check prequalification
Prequalification highlights
Max home price
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Max loan amount
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Max monthly PITI
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Down payment needed
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Front-end DTI
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Back-end DTI
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Monthly payment breakdown
Qualifying income & debts
Gross monthly income—
Monthly debt payments—
Front-end limit—
Back-end limit—
PITI allowed (front-end)—
PITI allowed (back-end)—
Qualifying monthly PITI—
Purchase power
Loan type—
Price limit — income—
Price limit — cash—
Limiting factor—
Base loan amount—
Financed fees (FHA/VA/USDA)—
Down payment—
Estimated closing costs—
Total cash to close—
Cash left over—
Maximum home price—
Estimated payment at max price
Principal & interest—
Property tax—
Homeowners insurance—
Mortgage insurance—
HOA dues—
Loan-to-value—
Total monthly payment—
Visualizations
Buying power by interest rate
Payment breakdown
| Rate | Max price | Loan amount | Down payment | P&I | Total PITI |
|---|---|---|---|---|---|
| Calculate to see table | |||||
Disclosure: This is an educational estimate, not a prequalification letter,
preapproval, or commitment to lend. Lenders verify income, assets, credit, and property details,
and apply their own overlays, loan limits, and residual-income tests. VA and USDA loans have
eligibility requirements not modeled here. Consult a licensed lender for a formal Loan Estimate.