Home Qualifier — Know if you’re ready to buy or sell

Affordability calculator

Start with what you know — income or a target price — and we’ll fill in the rest.

Gross annual household income (before taxes) iTotal combined income of all earners before taxes. Do not use take-home pay — lenders always use pre-tax income.

Use pre-tax income — not your take-home pay

Down payment ($) iUpfront cash toward the home. Larger down = smaller loan and lower monthly payment.

Monthly debts iCar loans, student loans, credit card minimums. Do not include utilities or groceries.

Credit score iHigher score = lower interest rate = lower monthly payment. Check Credit Karma for a free estimate.

Loan term i30-year = lower monthly payment. 15-year = pay less interest overall and build equity faster.

Annual property tax rate (%) iCalifornia averages ~1.25%. Check your county assessor’s site for the exact local rate.

Max home price

Monthly payment

Est. interest rate

Loan amount

Monthly income breakdown

Gross annual income (pre-tax)$0

Monthly gross income$0/mo

Max debt allowed at 43% DTI$0/mo

Your existing monthly debts-$0/mo

Est. home insurance-$150/mo

Available for housing$0/mo

Debt-to-income (DTI) ratio iCompares total monthly debts to gross income. Lower DTI = easier approval and better loan terms.

Front-end DTI (housing costs only) iHousing payment ÷ gross monthly income. Lenders prefer below 28%.0%

Back-end DTI (all debts combined) iAll monthly debts including housing ÷ gross income. The key number lenders focus on.0%

Your back-end DTI0%

0%36%43%45%50%55%+

Monthly payment breakdown

Principal & interest iFixed for the life of your loan. Principal reduces your balance; interest is the lender’s fee.$0/mo

Property tax (est.) iCollected monthly by your lender and held in escrow until your tax bill is due.$0/mo

Home insurance (est.) iRequired by lenders. Actual cost depends on location, home value, and coverage level.~$150/mo

Total monthly cost$0/mo

For informational purposes only. Not financial advice. Results are estimates only. Terms · Privacy · Disclaimer

Net proceeds calculator

See exactly how much you’ll walk away with after all selling costs.

Expected sale price ($) iThe price you expect to sell for. Use recent comparable sales or ask your agent for a CMA.

Remaining mortgage ($) iYour current loan payoff amount. Call your lender for an exact payoff quote.

Agent commission (%) iTotal commission for all agents. Typically 4–6% of sale price and is negotiable.

Closing costs (%) iTitle insurance, escrow fees, attorney fees. Usually 1–3% of the sale price.

Repairs / staging ($) iMoney spent preparing your home for sale — repairs, paint, cleaning, or staging.

Transfer tax rate (%) iGovernment tax on property transfer. California base ~0.11%; cities may add more.

Net proceeds iCash you receive after mortgage payoff and all selling costs.

Total deductions

Equity captured iNet proceeds as % of sale price — how much of your home’s value you walk away with.

Sale price$0

Mortgage payoff-$0

Agent commission-$0

Closing costs-$0

Transfer tax-$0

Repairs & staging-$0

Cash in your pocket$0

For informational purposes only. Not financial advice. Terms · Privacy · Disclaimer

Neighborhood comparison

Add 2–3 neighborhoods and our AI will research schools, safety, commute, walkability, and home prices — side by side in seconds.

Try: “Chino Hills, CA” · “Diamond Bar, CA” · “Rancho Cucamonga, CA”

Home buying checklist

A complete step-by-step guide through every stage of the home buying journey — from credit check to closing day.

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HOME QUALIFIER

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