MORTGAGE TOOLS

Home Affordability Calculator

Find your maximum purchase price based on income, debt, and current rates.

Your situation

Annual household income

Monthly debt payments

Available down payment

Expected rate (%)Loan term (years)

Maximum home price

$366,591

Max loan amount: $286,591
Housing budget (28% rule): $2,700.00/mo
Est. total PITI at max: $2,700.00/mo

Uses the 28% front-end ratio (housing costs vs. gross income), minus existing monthly debts. Taxes and insurance included at Union County averages.

Questions about your numbers?

Mike Vrlaku · Branch Manager · New American Funding · NMLS #179115

Call 732-977-9970 Get pre-qualified →

YOUR UNION COUNTY REAL ESTATE EXPERT

Viviana Zapata

REALTOR® · Better Homes and Gardens Real Estate Elite

Licensed Real Estate Salesperson · NJ · 181 North Ave East, Cranford NJ

Union County Life's real estate content, listings, and IDX data are presented under the license and control of Viviana Zapata, REALTOR®. All property searches and listing displays on this site are Viviana's displays.

908-217-7477 viviana@vzproperty.com View listings →

Viviana Zapata, Licensed Real Estate Salesperson. Better Homes and Gardens Real Estate Elite. 181 North Avenue East, Cranford, NJ 07016. Member NJMLS, CJMLS, GSMLS. The data relating to real estate for sale on this website comes in part from the IDX Program of Garden State Multiple Listing Service. Real estate listings held by other brokerage firms are marked as IDX Listing. Information deemed reliable but not guaranteed. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. © 2026 Garden State MLS. All rights reserved.