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>Apply for Loan   >Do I Qualify   >Tools & Calculator   >First time Buyers   >Mortgage Terms   >Study reveals closing cost  When lenders underwrite your loan, they calculate your  insurance and  property  taxes as if they were paid monthly.  This calculator does the same thing. Mortgage Calculator How Much Can You Afford? Step 1: $    How much do you and your co-borrower make each month? Click here for a helpful income calculator. Based on your income, your house payment can be  $ This means you can afford a home worth approximately $ Note: if a house payment is your only debt. Step 2: $ What are the combined minimum monthly payments on all your debt (excluding your current mortgages).  For example - car loans, credit cards, personal loans, etc.. Click here for a helpful debt calculator. The maximum that you can pay each month for a house payment including your debt is   $ This means you can afford a home worth approximately  $ Is this less than you need? Let's see what you could afford under a non-conforming loan.        You could afford  $ a month in a house payment under a non-conforming loan.  This means you may be able to afford a home worth approximately $.  The rate MAY be a little higher, but at least you have options.

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