All calculators
Buyer ReadinessRough Preparedness ScoreLive
Gross annual income
$
$40,000$500,000
Savings for down payment
$
$0$1,000,000
Monthly debt payments
$
$0$6,000
Target home price
$
$200,000$3,000,000
Credit score band
A rough gauge, not a lending decision. Real approval turns on the federal stress test, GDS/TDS ratios and full underwriting — see the Affordability tool.
Live analysis
Readiness score89%
Strong89/100
LevelStrong
Min down (target)$45,000
Rough max mortgage$630,000
Breakdown
Income · $140,000/yr30/30
Savings · $60,000 vs $45,000 min17/25
Debt-to-income · 6.86%20/20
Credit · good12/15
Affordability · $640,000 vs ~$630,00010/10
Minimum down uses the correct tiers — 5% on the first $500,000, 10% to $1.5M, 20% above. The 'rough max mortgage' is an income multiple only; the Affordability calculator applies the real stress test.
A preliminary self-check, not a pre-approval. Lenders underwrite the full picture.