How much home can they afford?

See two planning scenarios side by side. Comfortable keeps the housing payment near 28% of income and all monthly debt near 36%. Stretch allows about 31% and 45%.* These are rough planning guides, not the rules any lender uses to approve a loan.

The rate starts at the national 30-year average from Freddie Mac (Oct 8, 2026).* Tax and insurance vary by location, so change them to fit your area.

* National averages show where the market is. They are not a rate we are offering, and your own rate may be higher or lower. Results are estimates for planning only, not a pre-qualification, pre-approval or loan offer.