FC Financial Confidence
Home / Tools / Home Affordability & Down Payment Planner

Home Affordability & Down Payment Planner

See a comfortable home-price range based on your full budget, not just what a lender might approve, plus what it would take in cash at closing.

Checking access…
We found saved progress on this device from a previous visit.

Before You Begin

  • Results are estimates, for education only and do not predict loan approval. Lenders qualify buyers using their own underwriting rules, credit profile, reserves, and loan program, which can differ from the ranges shown here.
  • Property taxes, PMI, closing costs, and maintenance are editable assumptions, not guaranteed figures. Confirm real numbers with a lender's Loan Estimate before making decisions.
  • Everything you enter stays in your own browser on this device. We don't send it to a server or store it on our end. Closing your browser's site data, or using "Clear my data" below, permanently deletes it.
$
$
$
$
$

How stable is your household income?

Do you expect a significant income or expense change in the next 1-2 years?

Compare a Scenario

A note on guardrails This tool doesn't predict loan approval, guarantee PMI requirements, or replace a lender's official Loan Estimate. Lender-oriented ranges reflect common debt-to-income guidelines, not any specific lender's underwriting. Taxes, insurance, and closing costs are editable assumptions you should confirm for your actual property and lender before deciding.