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**Mortgage Affordability Calculator** to calculate how much house can I afford. The home loan affordability calculator includes options for taxes and insurance and returns the monthly mortgage payment.
The loan affordability calculator does not include options for PMI or private mortgage insurance that borrowers need to pay when the down payment is lower than 20% for conventional mortgages. This rule does not apply to VA loans where PMI is not required.

This **loan affordability calculator** roughly estimates how much house can I afford and does not take into account the PMI and other variables that may affect the monthly payments such as credit scores.
Please make sure you consult with a professional banker before you make a purchase so that you can be sure you can afford the monthly mortgage payments. Once you find a house you like, you use the mortgage calculator with multiple extra payments for mortgage payment calculations.

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