← All Tools Affordability Calculator

The price range you actually qualify for.

Worked backward from your income, your debts, and the debt-to-income limits lenders really enforce, with Florida's coastal taxes and insurance built in. No vanity numbers.

You can likely afford up to
$0
target price
,
Max Loan
$0
at this rate
Monthly Payment
$0
full PITI
Comfortable
$0
at 36% DTI

How the limit is set

Gross monthly income$0
Max total debt at your DTI 45%$0
Less existing monthly debts$0
Left for housing (PITI)$0
Less taxes, insurance, HOA$0
Left for principal & interest$0
,

,

Turn this into a pre-approval

This is the math. A pre-approval is the proof sellers want, and it's where we fine-tune the loan type, the real insurance number for your target area, and any down-payment help you qualify for. Send Eli these exact numbers and get your real range back fast.

Get pre-approved

Affordability Questions

How much house can I afford on my income?

Lenders cap your total monthly debts, including the new housing payment, at a percent of gross monthly income (debt-to-income). Most conventional loans allow about 45% and FHA up to about 50%, so your range is the home whose full payment fits inside that limit after your other debts.

What DTI do Florida lenders use?

Roughly 45% conventional and up to 50% FHA, but coastal underwriters often tighten that for high-insurance properties, since insurance is part of the housing payment.

Why does Florida insurance lower what I can afford?

Insurance counts inside your housing payment. A coastal home with $10,000 to $15,000 a year in wind and flood coverage eats the same DTI budget as principal and interest, so it directly cuts the price you qualify for.

Should I borrow the maximum I qualify for?

Usually not. Qualifying for a payment and being comfortable with it are different. Florida insurance and HOA assessments can jump, so keeping a cushion below your max is smart.

Educational planning tool only. This estimates a maximum price from your income, debts, down payment, and a debt-to-income limit, using a combined tax-and-insurance percentage of price. Real qualification depends on full underwriting: credit, income documentation, the specific property's taxes and insurance, loan program, and reserves. Coastal Florida insurance can be materially higher than the default used here. This is not a pre-approval, rate lock, or commitment to lend. © The Mortgage Dock · NMLS #1983384 · Coast2Coast Mortgage, LLC NMLS #376205 · Equal Housing Lender.