Not the number a lender will approve you for at the very top of your limit — the number where the monthly payment still leaves you a life. Adjust anything below and it updates instantly.
Selling instead? Use the net proceeds calculator.
Everyone who will be on the loan, combined.
Car loans, credit card minimums, student loans, child support. Not rent or utilities.
Cash for the down payment only. Closing costs are shown separately below.
Ask your lender for today's actual rate — this is only a starting point.
California is roughly 1.1–1.25% once local assessments are included. Newer developments in Chino Hills, Rancho Cucamonga and parts of Irvine can carry Mello-Roos on top — those push it higher.
28% is the traditional guideline lenders use. Slide it down for more breathing room, up if you're comfortable stretching. This is the single biggest lever on the answer.
An estimate for planning only — not a pre-approval, quote, or guarantee of financing. Lenders differ on what they will allow, and your credit score, loan type and debts all change the answer. Only a lender can tell you what you actually qualify for. Lisa Ng, REALTOR®, CA DRE #02240398 · eXp Realty of California, Inc., CA DRE #01878277.
I can introduce you to a lender who'll tell you the real number in a day — no cost and no obligation to use them.
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