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Denver home budget tool

How much house can I afford?

Estimate a comfortable home price and monthly housing payment from your income, debts, and down payment.

01

Income & debts

Annual household income

$

Monthly debt payments

$

Down payment

$

Maximum debt-to-income ratio

%

02

Loan & ownership costs

Mortgage interest rate

%

Loan term

years

Annual property-tax rate

%

Monthly homeowners insurance

$

Monthly HOA dues

$

Tip: Colorado property taxes and HOA dues vary by address. A down payment below 20% may also require mortgage insurance (PMI).

Estimated affordable home price

$612,489

Estimated loan$512,489Monthly housing budget$3,700

Estimated monthly payment

Principal & interest: $3,239
Property taxes: $281
Home insurance: $180
HOA: $0
Estimated total: $3,700

Review my budget with Wenxin ↗For educational estimates only. This is not lending advice, a loan commitment, or a preapproval. Actual affordability depends on credit, loan program, rates, taxes, insurance, and lender underwriting.