Buyer resources
Homebuying Budget
Your numbers
Everything included: loan payment, property tax, insurance, HOA and any mortgage insurance.
Example rate — adjust for your situation. This is not a current or quoted rate.
Entered as a share of the price, because the tax grows with the price you can afford.
Everything is calculated in your browser. Nothing you enter here is saved or sent anywhere.
Estimate
Not a pre-approval or qualification
Estimated home price this budget supports
$792,017
Loan amount plus your down payment, at the rate and costs you entered
- Available for principal & interestPer month, after taxes, insurance, HOA and mortgage insurance
- $4,058
- Approximate loan amount
- $642,017
- Estimated property tax
- $792 / mo
See how the estimate changes
The same budget at a quarter point either side of the rate you entered.
| Interest rate | Estimated price |
|---|---|
| 6.25% | $806,684 |
| 6.50%Your rate | $792,017 |
| 6.75% | $777,840 |
Sensitivity only — this shows how one variable moves the estimate. It is not a recommended shopping range, and the lower scenario never goes below 0%.
The amount a lender may approve and the amount that feels comfortable in your life are not necessarily the same number.
Lenders look at income, debts, credit and loan program. Only you know what else the month has to hold. A lender can tell you what you may qualify for; this tool is about the other question.
Keep planning
- Mortgage Payment CalculatorEstimate the full monthly payment — principal and interest, taxes, insurance, HOA and mortgage insurance.
- Practice the PaymentSet aside the difference between today's housing cost and a future one, and see how it feels before you commit.
- Cash Needed to BuyAdd up the down payment, closing costs and move — and the reserve you want left over afterwards.
Numbers are a starting point, not a decision.
If you would like to talk through what these figures could mean for a search in San Diego County — areas, timing, what to prioritize — Ardra is glad to help. There is no obligation.
This calculator provides estimates for educational purposes only and does not constitute a loan estimate, pre-approval, lending decision or financial advice. Actual rates, taxes, insurance, mortgage insurance, HOA fees, loan programs and closing costs vary. Consult a qualified lender, and where appropriate a tax or financial professional, regarding your circumstances.