Enter your income and debts to see your maximum home price, loan amount, and monthly payment.
Heads up: This estimate excludes property taxes, homeowners insurance, HOA dues, and PMI. Leave room in your budget for those — they can add several hundred dollars to your true monthly housing cost.
This calculator gives you a solid sense of your buying power — but your true number depends on credit score, debts, and lender guidelines. We shop 50+ lenders to maximize what you qualify for.
We shop dozens of lenders simultaneously to find the program that stretches your buying power the furthest.
Different lenders allow different DTI limits. As a broker, we match you to the one that qualifies you for more.
Know your real buying power before you start shopping — fast and at no cost to you.
Talk to a licensed mortgage advisor 7 days a week, 9AM–9PM. We answer your calls.
No credit pull required for pre-qualification
Apply in minutes and get a real pre-approval from our licensed advisors.
Leave your name, phone, and email and a Divito Real Estate agent will reach out — fast, friendly, no obligation.
Affordability isn't just what a lender will approve — it's what fits your life. This calculator estimates your maximum home price and monthly payment from your income, debts, and down payment, so you shop in a range that's comfortable, not just possible. In Florida, remember to leave room for property taxes, insurance, and any HOA or CDD fees.
Starting your search with a realistic budget saves time and heartbreak. It also makes your offer stronger, because you'll move with confidence on the right home.
Enter your income, monthly debts, and down payment. We apply typical debt-to-income guidelines to estimate the home price and payment you can comfortably support.
A common guideline keeps total housing around 28% of gross income and total debts near 36–43%, but your comfortable number depends on your full budget. The calculator gives a personalized estimate.
Build these into your budget — Florida insurance and HOA/CDD fees can be significant, so leave room beyond the loan payment.
No — it's an estimate. A lender pre-approval confirms what you qualify for; our agents can connect you when you're ready.
General information for Florida home buyers and sellers, not legal, tax, or lending advice. Figures are planning estimates; your final numbers come from your lender, title company, and closing agent.
The numbers are the start — a local Divito Real Estate Group agent turns them into a plan across South Florida and the Treasure Coast.