Home Affordability Calculator | LenderGary, Fresno CA

Step 1

Your income & debts

Household gross annual income Before taxes. Include all borrowers.

Monthly debt payments Car, student loans, credit-card minimums, child support. Not rent or utilities.

Step 2

Your comfort level

Share of gross income you’d put toward your total housing payment

Or set your own Most lenders cap total debt (housing + other payments) around 43–50% of gross, depending on the program.

Step 3

Reality check: take-home pay

A percentage of gross income ignores taxes, 401(k), childcare and how you actually live. This part checks the payment against your real monthly cash.

Monthly take-home pay What actually hits your bank account each month, all borrowers.

Monthly living expenses (not housing, not debts) Groceries, utilities, phones, gas, insurance, childcare, subscriptions, fun.

Monthly savings you want to keep making Emergency fund, retirement outside payroll, college. Optional.

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Step 4

Loan program & down payment

Each program has its own minimum down payment and mortgage-insurance rules, and those change your price. Pick the program, then keep the default or enter your own.

Down payment

Your comfortable housing payment

$0/ month

Principal, interest, taxes, insurance, mortgage insurance and HOA, all in.

Estimated purchase price

Down payment

Loan amount

Where the payment goes

Compare comfort levels

Comfort	Payment	Price	Left over

“Left over” is take-home pay minus this payment, your debts, living expenses and savings.

Example interest rate Illustrative only, not an offer. Ask Gary for a current quote.

Loan term

Property tax rate California base is ~1% plus local assessments; 1.1–1.25% is typical.

Homeowner’s insurance Per month. Get a real quote early; some areas cost more.

HOA dues Per month, if any.

Mortgage insurance rate Annual % of loan. Set automatically by the program in Step 4; edit to override.

Upfront fee financed FHA upfront MIP, VA funding fee or USDA guarantee fee, added to the loan. Set by program; edit to override (e.g., VA-exempt = 0).

Lender DTI ceiling Max total debts as % of gross. Program-dependent; used only to flag if your comfort number exceeds it.

Get pre-approved → Talk to Gary

This tool is for general educational purposes only. It is not a commitment to lend, a loan approval, a pre-qualification, or an offer to extend credit. The interest rate shown is an editable example, not a quoted or advertised rate, and does not reflect APR. Results are estimates based on the numbers you enter and the assumptions above; actual payments, taxes, insurance, mortgage insurance and qualifying amounts will vary by program, property, credit and market conditions. Consult a tax advisor for tax matters.