Use our free home affordability calculator to estimate how much house you can afford in 2026 based on your gross income, monthly debts, down payment, and an example interest rate you can change. We turn your debt-to-income ratio and budget into a maximum purchase price plus an estimated monthly payment with Texas property tax, insurance and PMI. Once you have a number, run our monthly payment calculator, refine your DTI, or compare with the rent vs buy calculator.
Car payments, student loans, cards
Example rate. Change it to match your quote; your APR will differ.
36% is a conservative DTI target; many loans allow 43% to 50%.
Added only when you put less than 20% down. An estimate; actual PMI depends on your credit and down payment.
Tax and insurance defaults are Bexar County (San Antonio) averages as of October 2026. Assumes a 30-year fixed loan.
Results are estimates for illustration. Prefilled rates are examples based on national averages as of September 28, 2026, not offers. Your rate and APR depend on your credit, loan and property, and come from a Loan Estimate. Get started for a quote.
Compare our most popular loan options and find the fit for your goals. New buyers should also explore first-time home buyer programs and down payment assistance.
Great for first-time buyers
For veterans & military
A loan officer can help you find the loan that fits your situation. Read our mortgage pre-approval guide or check the minimum down payment on a conventional loan.
Apply, upload documents, and track your loan from your phone or computer. Need to plan upfront cash? Use our closing-costs calculator.
Your loan officer works with you from application to closing day.