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Mortgage Qualification Calculator

Mortgage Qualification Calculator

Determine the fixed rate mortgage amount you can qualify for based on your net income and monthly debt

Watch our Mortgage Qualification Calculator "How To" video

Inputs

Indicates how frequently you are paid
Please Select How Often Are You Paid
Your income per pay period before subtracting taxes and other deductions
Please Enter Net Income Per Pay Period
It looks like you may have inputted your annual income instead of your monthly net income. Please confirm you have inputted the correct net income amount.
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Total of monthly payments for all non-housing related debt such as credit card, auto and student loans
Please Enter Total Monthly Debt Payments
It looks like you may have inputted your total debt balance instead of your total monthly debt payments. Please confirm you have inputted your total monthly debt payments.
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The current interest rate for a 30 year fixed rate mortgage is approximately 3.500%
Please Select Interest Rate($)
The length, in years, of the mortgage. The most common mortgage term is 30 years
Please Select Mortgage Term (Years)
Also known as HOA fee, all condo complexes and some housing projects charge property owners monthly fees for insurance and upkeep of the property
Please Select Monthly Homeowners Association Fee
Amount of HOA fee paid monthly
Please Enter Amount of Monthly Homeowners Association Fee
The type of mortgage your looking to obtain
Please Select Mortgage Type
Submit Valid Info to Compare Lenders and Save Money!When you provide valid personal info we may connect you with lenders which enables you to compare mortgage proposals and find the mortgage that is right for you. Click calculator for a version of this calculator that does not require personal info
 
Please Enter Your First & Last Name
Please Enter a Valid First Name
Please Enter a Valid Last Name
 
Please Enter Your Phone Number
Please Enter a Valid Phone
Please Enter Your Email
Please Enter a Valid Email
Your credit score to the best of your knowledge
Please Select Credit Score

Outputs

The output provided represents an estimate only. Property tax and insurance rates vary by state, county and property

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Current Mortgage Rates in San Diego1, California1 as of January 20, 2021
  • Lender
  • APR
  • Loan Type
  • Rate
  • Payment
  • Fees
  • Contact
View All Lenders

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Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more on rates and product details.
While we pride ourselves on the quality and breadth of the FREEandCLEAR mortgage calculators please note that they should be used for informational purposes only. Our calculators rely on assumptions by us and inputs and assumptions provided by you, which may be inaccurate. The outputs from our calculators are estimates only and should not be used as the sole basis for making any financial decisions. Always consult multiple financial professionals when determining the mortgage size and program that is appropriate for you.
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