Calculators
"How much house can I afford" isn't one number — it depends on your income, existing debts, down payment, and how much of your budget you want going to housing. Adjust each one and watch the max price move.
$352,812
Estimated max home price
$312,812
Max loan amount
$2,480
Estimated monthly PITI
These calculators provide estimates for educational purposes only — they are not a loan quote, rate lock, pre-approval, or commitment to lend, and actual figures depend on your full application, credit profile, and current rates through Unitas Lending. Property tax, insurance, and HOA figures are user-entered estimates, not verified amounts.
Want real numbers instead of an estimate? Get pre-approved.
Frequently Asked
36% back-end is a traditional "comfortable" target, not a hard cutoff — many conventional loans allow more with strong credit or compensating factors, and this calculator lets you change the target to see how it moves the result.
No — this estimates the home price your monthly budget supports, not the cash you need at closing. Budget separately for closing costs, typically 2-5% of the purchase price.