Free home affordability check
Can you actually afford that home?
Answer a few quick questions and get a clear Safe, Stretch, or Risky verdict on the home you have in mind — plus the one change that would make it work.
Free · No sign-up · Takes under a minute
How it works
- 1
Tell us about the home
Price, your income, and what you've saved for a down payment. No account, no credit check.
- 2
We run the real ratios
We weigh your full monthly payment — principal, interest, taxes, and insurance — against your income using the same guidelines lenders use.
- 3
Get your verdict
A clear Safe, Stretch, or Risky answer, plus the single change that would most improve your odds.
One clear answer — not a pile of numbers
Every check ends with a verdict you can act on.
- Safe — comfortably within reach
- Stretch — doable, but watch the budget
- Risky — likely to strain your finances
- Private by default — nothing is shared
- Completely free, no sign-up required
- A real answer in under a minute
Common questions
- How do you decide if a home is affordable?
- We compare your full monthly housing payment (principal, interest, taxes, and insurance) against your income using the standard front-end and back-end ratios — 28%/36% in the US and the 32%/40% GDS/TDS guideline in Canada — then give you a Safe, Stretch, or Risky verdict plus the one change that would help most.
- Is this the same as a mortgage pre-approval?
- No. This is a fast, private estimate to help you decide before you talk to a lender. Lenders weigh credit, employment history, and other factors and may reach a different conclusion.
- Does it cost anything or require an account?
- No. The affordability check is completely free and works without signing up. You can save your result to a goal afterward if you want weekly check-ins.
Ready to find out?
Get a clear verdict on the home you're considering — in under a minute.