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Pre-Qualification

What can you actually qualify for?

Enter your income, debts, and cash to close. We'll estimate your max purchase price, monthly payment range, and DTI — using today's live mortgage rate.

No credit pull Uses today's FRED rate VA & FHA options included
What this calculator accounts for
  • W-2 and self-employed income (separate or combined)
  • VA loan eligibility — 0% down, no PMI
  • FHA vs conventional with PMI estimates
  • Local property tax rates by ZIP code
  • Front-end and back-end DTI analysis
  • What-if slider: see how your payment changes with more down
Pre-Qualification Estimate
30-yr fixed: loading…
Min payments only. Rent you pay now doesn't count.
Include savings, gift funds, DPA.

VA loans allow 0% down, no PMI, and typically offer lower rates. Select this to see your VA buying power.

Estimates only. Not a commitment to lend. Rates, terms, and programs vary by lender, loan type, and borrower profile.