Can I afford this house?
A house you can't comfortably afford stops being a dream and starts being a trap. Forget rules of thumb — run these three calculators in order and you'll know exactly where you stand.
See what price range fits your income
Tells you the home price your income can actually support, not the one a lender will approve you for.
Mortgage Affordability Calculator →What to do with it: If the house you want is above this range, it's a stretch — no matter what the bank says.
Price the monthly payment on the real house
Shows the true monthly cost — principal, interest, taxes, and insurance — for the actual home you're eyeing.
Mortgage Payment Calculator →What to do with it: Compare it to your take-home pay. If it's more than about a third, pause.
Count the cash you'll need on day one
Estimates the down payment plus closing costs due at signing — the number people forget until it's too late.
Closing Cost Calculator →What to do with it: If you don't have this in cash without emptying your emergency fund, you're not ready yet.
Putting it together
If all three numbers fit comfortably — the price is in your range, the payment leaves breathing room, and you have the cash — you can afford the house. If any one of them is a stretch, the honest answer is not yet.