Affordability estimator
What price range should I be looking at?
This works the way a lender starts: your income, minus what you already owe each month, sets a housing budget. That budget decides the price. Nothing here is submitted or stored.
Tim Coleman
A range is a starting point, not an answer. What you can actually borrow depends on credit, program, and documentation, and a lender decides it. I can tell you what that range buys in each part of the Valley.
Send these numbers
This link opens the estimator with everything above already filled in.
This is an estimate for planning only. It is not a pre-qualification, a pre-approval, or a commitment to lend, and Tim Coleman is not a mortgage lender. It uses common guidance of twenty eight percent of gross income toward housing and thirty six percent toward all obligations. Real limits vary by lender, loan program, credit, assets, and documentation, and several programs allow higher ratios than these. Mortgage insurance is not included and usually applies below twenty percent down. Only a licensed lender can tell you what you qualify for. Equal Housing Opportunity.