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Buyers

Do you qualify for a home loan? Check your numbers first.

Enter your income, debts and down payment. You will see the monthly payment, how it compares with your income, and the price range your numbers support.

Before taxes, from all sources you can document.

Car loans, cards, student loans and similar.

Savings you could put toward the purchase.

From a lender quote.

Use the combined rate on a tax statement for the address.

Yearly rate on the loan. Ask your lender.

Optional. Leave blank to use a common 28% rule of thumb.

Optional. Leave blank to use a common 36% rule of thumb.

Only used to remind you that credit affects your options.

Your numbers are only the start

Fill in the form to see your results here. When you are ready, send us the address and we will turn the estimate into a real offer or a plain-English plan, at no cost.

Jump to the request form

What lenders look at

  • Credit history and score.
  • Income and how steady it is.
  • Monthly debts compared with income.
  • The down payment and closing costs you can pay.
  • Cash left after closing.

How the numbers are built

The tool adds principal and interest, property tax, insurance, any HOA dues and any mortgage insurance to get the monthly payment. It divides that payment by gross monthly income, and again with your other debts added, and compares both with your targets.

The 28% and 36% figures are a common rule of thumb, not a program requirement. Loan programs and lenders set their own limits, which is why you can replace them above.

What to do next

Questions about this tool

Does this tell me if I will be approved?

No. It shows where your numbers stand. A lender reviews your credit, documents and the property and makes the decision.

Why do the targets matter?

Lenders compare your payment and debts with your income. Different loans allow different limits, so ask the lender for the ones that apply to you.

Is my information saved?

No. The numbers stay on this page and are not sent anywhere unless you choose to contact us.

For lenders and counselors

Put this tool on your website

Add your name, logo and colors, paste one snippet, and offer it to your borrowers for free.

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Check my buyer options

Tell us where you want to buy and when. We will point you to programs and lenders to ask about.

Not legal, tax or financial advice

These tools give general estimates from the numbers you enter. They do not replace advice from a Texas attorney, a CPA or a licensed lender. Captain Saves A Home buys houses, so we have an interest in a sale, and we will tell you honestly when another option fits better.

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